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$18,406
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,978
−HK$582/mo
Today · 4.125%
HK$19,560
baseline
▲ 0.50% · 4.625%
HK$20,750
+HK$1,190/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,120/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,476
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,025
−HK$557/mo
Today · 4.125%
HK$21,582
baseline
▲ 0.50% · 4.625%
HK$22,720
+HK$1,138/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,164/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,087
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,774
−HK$698/mo
Today · 4.125%
HK$23,472
baseline
▲ 0.50% · 4.625%
HK$24,900
+HK$1,428/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,944/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,571
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,230
−HK$669/mo
Today · 4.125%
HK$25,899
baseline
▲ 0.50% · 4.625%
HK$27,264
+HK$1,365/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,798/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,768
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,569
−HK$815/mo
Today · 4.125%
HK$27,384
baseline
▲ 0.50% · 4.625%
HK$29,050
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,768/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,666
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,435
−HK$780/mo
Today · 4.125%
HK$30,215
baseline
▲ 0.50% · 4.625%
HK$31,808
+HK$1,593/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,430/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,130
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,160
−HK$1,047/mo
Today · 4.125%
HK$35,207
baseline
▲ 0.50% · 4.625%
HK$37,350
+HK$2,143/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,414/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,857
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,845
−HK$1,003/mo
Today · 4.125%
HK$38,848
baseline
▲ 0.50% · 4.625%
HK$40,896
+HK$2,048/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,696/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,151 · 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).