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$18,356
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,927
−HK$580/mo
Today · 4.125%
HK$19,507
baseline
▲ 0.50% · 4.625%
HK$20,694
+HK$1,187/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,014/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,421
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,969
−HK$555/mo
Today · 4.125%
HK$21,524
baseline
▲ 0.50% · 4.625%
HK$22,659
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,048/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,027
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,713
−HK$696/mo
Today · 4.125%
HK$23,409
baseline
▲ 0.50% · 4.625%
HK$24,833
+HK$1,424/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,818/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,505
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,163
−HK$666/mo
Today · 4.125%
HK$25,829
baseline
▲ 0.50% · 4.625%
HK$27,191
+HK$1,362/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,658/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,699
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,498
−HK$812/mo
Today · 4.125%
HK$27,310
baseline
▲ 0.50% · 4.625%
HK$28,972
+HK$1,662/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,620/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,590
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,356
−HK$778/mo
Today · 4.125%
HK$30,134
baseline
▲ 0.50% · 4.625%
HK$31,723
+HK$1,589/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,268/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,041
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,069
−HK$1,044/mo
Today · 4.125%
HK$35,113
baseline
▲ 0.50% · 4.625%
HK$37,250
+HK$2,137/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$70,226/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,758
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,744
−HK$1,000/mo
Today · 4.125%
HK$38,744
baseline
▲ 0.50% · 4.625%
HK$40,786
+HK$2,042/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$77,488/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,502 · 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).