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$18,449
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,023
−HK$583/mo
Today · 4.125%
HK$19,606
baseline
▲ 0.50% · 4.625%
HK$20,799
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,212/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,524
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,075
−HK$558/mo
Today · 4.125%
HK$21,633
baseline
▲ 0.50% · 4.625%
HK$22,773
+HK$1,140/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,266/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,139
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,827
−HK$700/mo
Today · 4.125%
HK$23,527
baseline
▲ 0.50% · 4.625%
HK$24,959
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$47,054/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,629
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,290
−HK$670/mo
Today · 4.125%
HK$25,960
baseline
▲ 0.50% · 4.625%
HK$27,328
+HK$1,368/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$51,920/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,828
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,632
−HK$816/mo
Today · 4.125%
HK$27,448
baseline
▲ 0.50% · 4.625%
HK$29,118
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,896/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,734
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,505
−HK$781/mo
Today · 4.125%
HK$30,286
baseline
▲ 0.50% · 4.625%
HK$31,883
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,572/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,208
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,241
−HK$1,050/mo
Today · 4.125%
HK$35,291
baseline
▲ 0.50% · 4.625%
HK$37,438
+HK$2,147/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,582/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,944
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,934
−HK$1,006/mo
Today · 4.125%
HK$38,940
baseline
▲ 0.50% · 4.625%
HK$40,992
+HK$2,052/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,880/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,722 · 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).