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$18,350
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,921
−HK$580/mo
Today · 4.125%
HK$19,501
baseline
▲ 0.50% · 4.625%
HK$20,688
+HK$1,187/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$39,002/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,415
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,962
−HK$556/mo
Today · 4.125%
HK$21,518
baseline
▲ 0.50% · 4.625%
HK$22,652
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,036/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,021
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,706
−HK$695/mo
Today · 4.125%
HK$23,401
baseline
▲ 0.50% · 4.625%
HK$24,825
+HK$1,424/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,802/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,498
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,155
−HK$666/mo
Today · 4.125%
HK$25,821
baseline
▲ 0.50% · 4.625%
HK$27,182
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,642/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,691
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,490
−HK$812/mo
Today · 4.125%
HK$27,302
baseline
▲ 0.50% · 4.625%
HK$28,963
+HK$1,661/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,604/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,581
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,347
−HK$778/mo
Today · 4.125%
HK$30,125
baseline
▲ 0.50% · 4.625%
HK$31,713
+HK$1,588/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,250/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,031
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,058
−HK$1,044/mo
Today · 4.125%
HK$35,102
baseline
▲ 0.50% · 4.625%
HK$37,238
+HK$2,136/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$70,204/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,746
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,732
−HK$1,000/mo
Today · 4.125%
HK$38,732
baseline
▲ 0.50% · 4.625%
HK$40,773
+HK$2,041/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$77,464/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,427 · 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).