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$18,369
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,940
−HK$581/mo
Today · 4.125%
HK$19,521
baseline
▲ 0.50% · 4.625%
HK$20,709
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,042/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,435
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,983
−HK$556/mo
Today · 4.125%
HK$21,539
baseline
▲ 0.50% · 4.625%
HK$22,675
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,078/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,043
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,728
−HK$697/mo
Today · 4.125%
HK$23,425
baseline
▲ 0.50% · 4.625%
HK$24,850
+HK$1,425/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,850/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,522
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,180
−HK$667/mo
Today · 4.125%
HK$25,847
baseline
▲ 0.50% · 4.625%
HK$27,210
+HK$1,363/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,694/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,717
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,517
−HK$812/mo
Today · 4.125%
HK$27,329
baseline
▲ 0.50% · 4.625%
HK$28,992
+HK$1,663/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,658/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,609
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,377
−HK$778/mo
Today · 4.125%
HK$30,155
baseline
▲ 0.50% · 4.625%
HK$31,745
+HK$1,590/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,310/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,064
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,093
−HK$1,045/mo
Today · 4.125%
HK$35,138
baseline
▲ 0.50% · 4.625%
HK$37,276
+HK$2,138/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$70,276/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,784
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,770
−HK$1,001/mo
Today · 4.125%
HK$38,771
baseline
▲ 0.50% · 4.625%
HK$40,815
+HK$2,044/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$77,542/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,671 · 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).