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$18,361
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,932
−HK$580/mo
Today · 4.125%
HK$19,512
baseline
▲ 0.50% · 4.625%
HK$20,699
+HK$1,187/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,024/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,426
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,974
−HK$555/mo
Today · 4.125%
HK$21,529
baseline
▲ 0.50% · 4.625%
HK$22,664
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,058/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,033
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,718
−HK$696/mo
Today · 4.125%
HK$23,414
baseline
▲ 0.50% · 4.625%
HK$24,839
+HK$1,425/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,828/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,511
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,169
−HK$666/mo
Today · 4.125%
HK$25,835
baseline
▲ 0.50% · 4.625%
HK$27,197
+HK$1,362/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,670/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,705
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,504
−HK$813/mo
Today · 4.125%
HK$27,317
baseline
▲ 0.50% · 4.625%
HK$28,979
+HK$1,662/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,634/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,596
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,363
−HK$778/mo
Today · 4.125%
HK$30,141
baseline
▲ 0.50% · 4.625%
HK$31,730
+HK$1,589/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,282/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,049
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,077
−HK$1,044/mo
Today · 4.125%
HK$35,121
baseline
▲ 0.50% · 4.625%
HK$37,259
+HK$2,138/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$70,242/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,767
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,753
−HK$1,000/mo
Today · 4.125%
HK$38,753
baseline
▲ 0.50% · 4.625%
HK$40,796
+HK$2,043/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$77,506/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,560 · 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).