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$18,398
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,970
−HK$581/mo
Today · 4.125%
HK$19,551
baseline
▲ 0.50% · 4.625%
HK$20,741
+HK$1,190/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,102/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,467
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,016
−HK$557/mo
Today · 4.125%
HK$21,573
baseline
▲ 0.50% · 4.625%
HK$22,710
+HK$1,137/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,146/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,077
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,764
−HK$698/mo
Today · 4.125%
HK$23,462
baseline
▲ 0.50% · 4.625%
HK$24,889
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,924/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,561
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,219
−HK$669/mo
Today · 4.125%
HK$25,888
baseline
▲ 0.50% · 4.625%
HK$27,252
+HK$1,364/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,776/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,757
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,558
−HK$814/mo
Today · 4.125%
HK$27,372
baseline
▲ 0.50% · 4.625%
HK$29,037
+HK$1,665/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,744/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,654
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,423
−HK$779/mo
Today · 4.125%
HK$30,202
baseline
▲ 0.50% · 4.625%
HK$31,794
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,404/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,116
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,146
−HK$1,047/mo
Today · 4.125%
HK$35,193
baseline
▲ 0.50% · 4.625%
HK$37,334
+HK$2,141/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,386/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,841
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,829
−HK$1,002/mo
Today · 4.125%
HK$38,831
baseline
▲ 0.50% · 4.625%
HK$40,878
+HK$2,047/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,662/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,048 · 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).