The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$18,371
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,942
−HK$581/mo
Today · 4.125%
HK$19,523
baseline
▲ 0.50% · 4.625%
HK$20,711
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,046/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,437
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,986
−HK$556/mo
Today · 4.125%
HK$21,542
baseline
▲ 0.50% · 4.625%
HK$22,677
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,084/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,045
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,731
−HK$697/mo
Today · 4.125%
HK$23,428
baseline
▲ 0.50% · 4.625%
HK$24,853
+HK$1,425/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,856/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,525
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,183
−HK$667/mo
Today · 4.125%
HK$25,850
baseline
▲ 0.50% · 4.625%
HK$27,213
+HK$1,363/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,700/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,719
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,519
−HK$813/mo
Today · 4.125%
HK$27,332
baseline
▲ 0.50% · 4.625%
HK$28,995
+HK$1,663/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,664/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,612
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,380
−HK$778/mo
Today · 4.125%
HK$30,158
baseline
▲ 0.50% · 4.625%
HK$31,748
+HK$1,590/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,316/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,068
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,096
−HK$1,045/mo
Today · 4.125%
HK$35,141
baseline
▲ 0.50% · 4.625%
HK$37,280
+HK$2,139/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$70,282/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,787
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,774
−HK$1,001/mo
Today · 4.125%
HK$38,775
baseline
▲ 0.50% · 4.625%
HK$40,819
+HK$2,044/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$77,550/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,696 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).