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$18,421
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,994
−HK$582/mo
Today · 4.125%
HK$19,576
baseline
▲ 0.50% · 4.625%
HK$20,768
+HK$1,192/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,152/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,494
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,043
−HK$558/mo
Today · 4.125%
HK$21,601
baseline
▲ 0.50% · 4.625%
HK$22,739
+HK$1,138/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,202/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,106
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,793
−HK$699/mo
Today · 4.125%
HK$23,492
baseline
▲ 0.50% · 4.625%
HK$24,921
+HK$1,429/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$46,984/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,592
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,252
−HK$669/mo
Today · 4.125%
HK$25,921
baseline
▲ 0.50% · 4.625%
HK$27,287
+HK$1,366/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,842/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,790
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,592
−HK$815/mo
Today · 4.125%
HK$27,407
baseline
▲ 0.50% · 4.625%
HK$29,075
+HK$1,668/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$54,814/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,691
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,460
−HK$781/mo
Today · 4.125%
HK$30,241
baseline
▲ 0.50% · 4.625%
HK$31,835
+HK$1,594/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$60,482/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,158
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,190
−HK$1,048/mo
Today · 4.125%
HK$35,238
baseline
▲ 0.50% · 4.625%
HK$37,382
+HK$2,144/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,476/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,888
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,878
−HK$1,003/mo
Today · 4.125%
HK$38,881
baseline
▲ 0.50% · 4.625%
HK$40,931
+HK$2,050/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,762/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,359 · 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).