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$18,346
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,917
−HK$580/mo
Today · 4.125%
HK$19,497
baseline
▲ 0.50% · 4.625%
HK$20,683
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,994/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,410
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,957
−HK$556/mo
Today · 4.125%
HK$21,513
baseline
▲ 0.50% · 4.625%
HK$22,647
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,026/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,016
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,700
−HK$696/mo
Today · 4.125%
HK$23,396
baseline
▲ 0.50% · 4.625%
HK$24,820
+HK$1,424/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,792/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,492
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,149
−HK$666/mo
Today · 4.125%
HK$25,815
baseline
▲ 0.50% · 4.625%
HK$27,176
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,630/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,685
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,484
−HK$811/mo
Today · 4.125%
HK$27,295
baseline
▲ 0.50% · 4.625%
HK$28,956
+HK$1,661/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,590/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,574
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,340
−HK$778/mo
Today · 4.125%
HK$30,118
baseline
▲ 0.50% · 4.625%
HK$31,705
+HK$1,587/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,236/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,023
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,050
−HK$1,044/mo
Today · 4.125%
HK$35,094
baseline
▲ 0.50% · 4.625%
HK$37,230
+HK$2,136/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$70,188/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,738
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,723
−HK$1,000/mo
Today · 4.125%
HK$38,723
baseline
▲ 0.50% · 4.625%
HK$40,764
+HK$2,041/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$77,446/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,372 · 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).