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$18,470
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,044
−HK$584/mo
Today · 4.125%
HK$19,628
baseline
▲ 0.50% · 4.625%
HK$20,822
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,256/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,547
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,098
−HK$560/mo
Today · 4.125%
HK$21,658
baseline
▲ 0.50% · 4.625%
HK$22,799
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,316/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,164
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,853
−HK$701/mo
Today · 4.125%
HK$23,554
baseline
▲ 0.50% · 4.625%
HK$24,987
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,108/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,657
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,318
−HK$671/mo
Today · 4.125%
HK$25,989
baseline
▲ 0.50% · 4.625%
HK$27,359
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,978/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,858
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,662
−HK$817/mo
Today · 4.125%
HK$27,479
baseline
▲ 0.50% · 4.625%
HK$29,151
+HK$1,672/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,958/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,766
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,538
−HK$783/mo
Today · 4.125%
HK$30,321
baseline
▲ 0.50% · 4.625%
HK$31,919
+HK$1,598/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,642/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,246
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,280
−HK$1,050/mo
Today · 4.125%
HK$35,330
baseline
▲ 0.50% · 4.625%
HK$37,480
+HK$2,150/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,660/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,985
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,977
−HK$1,007/mo
Today · 4.125%
HK$38,984
baseline
▲ 0.50% · 4.625%
HK$41,038
+HK$2,054/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,968/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,996 · 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).