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$18,443
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,016
−HK$583/mo
Today · 4.125%
HK$19,599
baseline
▲ 0.50% · 4.625%
HK$20,792
+HK$1,193/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,198/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,517
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,067
−HK$559/mo
Today · 4.125%
HK$21,626
baseline
▲ 0.50% · 4.625%
HK$22,765
+HK$1,139/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,252/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,131
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,819
−HK$700/mo
Today · 4.125%
HK$23,519
baseline
▲ 0.50% · 4.625%
HK$24,950
+HK$1,431/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$47,038/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,621
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,281
−HK$670/mo
Today · 4.125%
HK$25,951
baseline
▲ 0.50% · 4.625%
HK$27,319
+HK$1,368/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$51,902/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,820
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,623
−HK$816/mo
Today · 4.125%
HK$27,439
baseline
▲ 0.50% · 4.625%
HK$29,108
+HK$1,669/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,878/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,724
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,494
−HK$782/mo
Today · 4.125%
HK$30,276
baseline
▲ 0.50% · 4.625%
HK$31,872
+HK$1,596/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,552/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,197
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,229
−HK$1,049/mo
Today · 4.125%
HK$35,278
baseline
▲ 0.50% · 4.625%
HK$37,425
+HK$2,147/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,556/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,931
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,921
−HK$1,005/mo
Today · 4.125%
HK$38,926
baseline
▲ 0.50% · 4.625%
HK$40,978
+HK$2,052/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,852/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,638 · 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).