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$18,437
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,010
−HK$583/mo
Today · 4.125%
HK$19,593
baseline
▲ 0.50% · 4.625%
HK$20,785
+HK$1,192/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,186/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,510
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,061
−HK$558/mo
Today · 4.125%
HK$21,619
baseline
▲ 0.50% · 4.625%
HK$22,758
+HK$1,139/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,238/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,124
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,812
−HK$699/mo
Today · 4.125%
HK$23,511
baseline
▲ 0.50% · 4.625%
HK$24,942
+HK$1,431/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$47,022/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,613
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,273
−HK$669/mo
Today · 4.125%
HK$25,942
baseline
▲ 0.50% · 4.625%
HK$27,310
+HK$1,368/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,884/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,811
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,614
−HK$816/mo
Today · 4.125%
HK$27,430
baseline
▲ 0.50% · 4.625%
HK$29,099
+HK$1,669/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,860/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,715
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,485
−HK$781/mo
Today · 4.125%
HK$30,266
baseline
▲ 0.50% · 4.625%
HK$31,861
+HK$1,595/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,532/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,186
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,218
−HK$1,049/mo
Today · 4.125%
HK$35,267
baseline
▲ 0.50% · 4.625%
HK$37,413
+HK$2,146/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,534/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,919
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,909
−HK$1,004/mo
Today · 4.125%
HK$38,913
baseline
▲ 0.50% · 4.625%
HK$40,965
+HK$2,052/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,826/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,559 · 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).