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$18,452
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,025
−HK$584/mo
Today · 4.125%
HK$19,609
baseline
▲ 0.50% · 4.625%
HK$20,802
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,218/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,527
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,078
−HK$558/mo
Today · 4.125%
HK$21,636
baseline
▲ 0.50% · 4.625%
HK$22,777
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,272/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,142
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,831
−HK$699/mo
Today · 4.125%
HK$23,530
baseline
▲ 0.50% · 4.625%
HK$24,962
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,060/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,633
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,293
−HK$670/mo
Today · 4.125%
HK$25,963
baseline
▲ 0.50% · 4.625%
HK$27,332
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,926/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,832
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,636
−HK$816/mo
Today · 4.125%
HK$27,452
baseline
▲ 0.50% · 4.625%
HK$29,122
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,904/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,738
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,509
−HK$782/mo
Today · 4.125%
HK$30,291
baseline
▲ 0.50% · 4.625%
HK$31,887
+HK$1,596/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,582/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,213
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,246
−HK$1,049/mo
Today · 4.125%
HK$35,295
baseline
▲ 0.50% · 4.625%
HK$37,443
+HK$2,148/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,590/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,949
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,940
−HK$1,005/mo
Today · 4.125%
HK$38,945
baseline
▲ 0.50% · 4.625%
HK$40,998
+HK$2,053/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,890/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,756 · 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).