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$18,466
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,041
−HK$583/mo
Today · 4.125%
HK$19,624
baseline
▲ 0.50% · 4.625%
HK$20,818
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,248/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,544
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,095
−HK$558/mo
Today · 4.125%
HK$21,653
baseline
▲ 0.50% · 4.625%
HK$22,795
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,306/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,160
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,849
−HK$700/mo
Today · 4.125%
HK$23,549
baseline
▲ 0.50% · 4.625%
HK$24,982
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,098/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,652
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,313
−HK$671/mo
Today · 4.125%
HK$25,984
baseline
▲ 0.50% · 4.625%
HK$27,354
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,968/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,853
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,657
−HK$817/mo
Today · 4.125%
HK$27,474
baseline
▲ 0.50% · 4.625%
HK$29,146
+HK$1,672/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,948/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,761
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,532
−HK$783/mo
Today · 4.125%
HK$30,315
baseline
▲ 0.50% · 4.625%
HK$31,913
+HK$1,598/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,630/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,239
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,273
−HK$1,051/mo
Today · 4.125%
HK$35,324
baseline
▲ 0.50% · 4.625%
HK$37,473
+HK$2,149/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,648/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,978
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,970
−HK$1,006/mo
Today · 4.125%
HK$38,976
baseline
▲ 0.50% · 4.625%
HK$41,031
+HK$2,055/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,952/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,951 · 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).