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$18,403
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,975
−HK$582/mo
Today · 4.125%
HK$19,557
baseline
▲ 0.50% · 4.625%
HK$20,747
+HK$1,190/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,114/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,473
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,022
−HK$557/mo
Today · 4.125%
HK$21,579
baseline
▲ 0.50% · 4.625%
HK$22,717
+HK$1,138/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,158/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,083
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,770
−HK$698/mo
Today · 4.125%
HK$23,468
baseline
▲ 0.50% · 4.625%
HK$24,896
+HK$1,428/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,936/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,568
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,226
−HK$669/mo
Today · 4.125%
HK$25,895
baseline
▲ 0.50% · 4.625%
HK$27,260
+HK$1,365/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,790/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,764
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,565
−HK$815/mo
Today · 4.125%
HK$27,380
baseline
▲ 0.50% · 4.625%
HK$29,046
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,760/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,662
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,431
−HK$780/mo
Today · 4.125%
HK$30,211
baseline
▲ 0.50% · 4.625%
HK$31,803
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,422/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,125
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,155
−HK$1,047/mo
Today · 4.125%
HK$35,202
baseline
▲ 0.50% · 4.625%
HK$37,344
+HK$2,142/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,404/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,851
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,840
−HK$1,002/mo
Today · 4.125%
HK$38,842
baseline
▲ 0.50% · 4.625%
HK$40,890
+HK$2,048/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,684/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,116 · 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).