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$18,457
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,031
−HK$584/mo
Today · 4.125%
HK$19,615
baseline
▲ 0.50% · 4.625%
HK$20,808
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,230/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,533
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,084
−HK$559/mo
Today · 4.125%
HK$21,643
baseline
▲ 0.50% · 4.625%
HK$22,784
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,286/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,149
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,838
−HK$700/mo
Today · 4.125%
HK$23,538
baseline
▲ 0.50% · 4.625%
HK$24,970
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,076/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,640
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,301
−HK$670/mo
Today · 4.125%
HK$25,971
baseline
▲ 0.50% · 4.625%
HK$27,340
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,942/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,840
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,644
−HK$816/mo
Today · 4.125%
HK$27,460
baseline
▲ 0.50% · 4.625%
HK$29,131
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,920/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,747
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,518
−HK$782/mo
Today · 4.125%
HK$30,300
baseline
▲ 0.50% · 4.625%
HK$31,897
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,600/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,223
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,256
−HK$1,050/mo
Today · 4.125%
HK$35,306
baseline
▲ 0.50% · 4.625%
HK$37,455
+HK$2,149/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,612/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,960
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,951
−HK$1,006/mo
Today · 4.125%
HK$38,957
baseline
▲ 0.50% · 4.625%
HK$41,011
+HK$2,054/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,914/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,831 · 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).