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$18,431
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,004
−HK$583/mo
Today · 4.125%
HK$19,587
baseline
▲ 0.50% · 4.625%
HK$20,779
+HK$1,192/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,174/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,504
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,054
−HK$558/mo
Today · 4.125%
HK$21,612
baseline
▲ 0.50% · 4.625%
HK$22,751
+HK$1,139/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,224/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,117
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,805
−HK$699/mo
Today · 4.125%
HK$23,504
baseline
▲ 0.50% · 4.625%
HK$24,934
+HK$1,430/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$47,008/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,605
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,265
−HK$670/mo
Today · 4.125%
HK$25,935
baseline
▲ 0.50% · 4.625%
HK$27,302
+HK$1,367/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,870/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,804
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,606
−HK$816/mo
Today · 4.125%
HK$27,422
baseline
▲ 0.50% · 4.625%
HK$29,090
+HK$1,668/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$54,844/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,706
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,476
−HK$781/mo
Today · 4.125%
HK$30,257
baseline
▲ 0.50% · 4.625%
HK$31,852
+HK$1,595/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$60,514/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,176
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,208
−HK$1,048/mo
Today · 4.125%
HK$35,256
baseline
▲ 0.50% · 4.625%
HK$37,402
+HK$2,146/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,512/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,908
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,898
−HK$1,004/mo
Today · 4.125%
HK$38,902
baseline
▲ 0.50% · 4.625%
HK$40,953
+HK$2,051/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,804/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,488 · 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).