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$18,401
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,973
−HK$582/mo
Today · 4.125%
HK$19,555
baseline
▲ 0.50% · 4.625%
HK$20,745
+HK$1,190/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,110/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,471
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,020
−HK$557/mo
Today · 4.125%
HK$21,577
baseline
▲ 0.50% · 4.625%
HK$22,714
+HK$1,137/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,154/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,081
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,768
−HK$698/mo
Today · 4.125%
HK$23,466
baseline
▲ 0.50% · 4.625%
HK$24,894
+HK$1,428/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,932/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,565
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,224
−HK$668/mo
Today · 4.125%
HK$25,892
baseline
▲ 0.50% · 4.625%
HK$27,257
+HK$1,365/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,784/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,762
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,563
−HK$814/mo
Today · 4.125%
HK$27,377
baseline
▲ 0.50% · 4.625%
HK$29,043
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,754/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,659
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,428
−HK$780/mo
Today · 4.125%
HK$30,208
baseline
▲ 0.50% · 4.625%
HK$31,800
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,416/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,122
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,152
−HK$1,047/mo
Today · 4.125%
HK$35,199
baseline
▲ 0.50% · 4.625%
HK$37,341
+HK$2,142/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,398/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,848
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,836
−HK$1,003/mo
Today · 4.125%
HK$38,839
baseline
▲ 0.50% · 4.625%
HK$40,886
+HK$2,047/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,678/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,093 · 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).