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$18,471
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,046
−HK$583/mo
Today · 4.125%
HK$19,629
baseline
▲ 0.50% · 4.625%
HK$20,824
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,258/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,549
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,100
−HK$559/mo
Today · 4.125%
HK$21,659
baseline
▲ 0.50% · 4.625%
HK$22,801
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,318/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,165
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,855
−HK$700/mo
Today · 4.125%
HK$23,555
baseline
▲ 0.50% · 4.625%
HK$24,989
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,110/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,659
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,320
−HK$671/mo
Today · 4.125%
HK$25,991
baseline
▲ 0.50% · 4.625%
HK$27,361
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,982/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,859
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,664
−HK$817/mo
Today · 4.125%
HK$27,481
baseline
▲ 0.50% · 4.625%
HK$29,153
+HK$1,672/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,962/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,768
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,540
−HK$783/mo
Today · 4.125%
HK$30,323
baseline
▲ 0.50% · 4.625%
HK$31,921
+HK$1,598/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,646/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,248
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,282
−HK$1,051/mo
Today · 4.125%
HK$35,333
baseline
▲ 0.50% · 4.625%
HK$37,483
+HK$2,150/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,666/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,988
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,980
−HK$1,006/mo
Today · 4.125%
HK$38,986
baseline
▲ 0.50% · 4.625%
HK$41,041
+HK$2,055/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,972/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,013 · 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).