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$18,418
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,991
−HK$582/mo
Today · 4.125%
HK$19,573
baseline
▲ 0.50% · 4.625%
HK$20,764
+HK$1,191/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,146/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,490
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,040
−HK$557/mo
Today · 4.125%
HK$21,597
baseline
▲ 0.50% · 4.625%
HK$22,736
+HK$1,139/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,194/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,102
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,790
−HK$698/mo
Today · 4.125%
HK$23,488
baseline
▲ 0.50% · 4.625%
HK$24,917
+HK$1,429/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$46,976/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,588
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,248
−HK$669/mo
Today · 4.125%
HK$25,917
baseline
▲ 0.50% · 4.625%
HK$27,283
+HK$1,366/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,834/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,786
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,588
−HK$815/mo
Today · 4.125%
HK$27,403
baseline
▲ 0.50% · 4.625%
HK$29,070
+HK$1,667/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,806/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,686
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,456
−HK$780/mo
Today · 4.125%
HK$30,236
baseline
▲ 0.50% · 4.625%
HK$31,830
+HK$1,594/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,472/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,153
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,184
−HK$1,048/mo
Today · 4.125%
HK$35,232
baseline
▲ 0.50% · 4.625%
HK$37,376
+HK$2,144/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,464/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,883
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,872
−HK$1,003/mo
Today · 4.125%
HK$38,875
baseline
▲ 0.50% · 4.625%
HK$40,924
+HK$2,049/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,750/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,321 · 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).