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$18,481
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,056
−HK$584/mo
Today · 4.125%
HK$19,640
baseline
▲ 0.50% · 4.625%
HK$20,835
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,280/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,560
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,111
−HK$559/mo
Today · 4.125%
HK$21,670
baseline
▲ 0.50% · 4.625%
HK$22,813
+HK$1,143/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,340/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,177
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,867
−HK$701/mo
Today · 4.125%
HK$23,568
baseline
▲ 0.50% · 4.625%
HK$25,002
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,136/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,672
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,333
−HK$672/mo
Today · 4.125%
HK$26,005
baseline
▲ 0.50% · 4.625%
HK$27,375
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,010/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,873
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,678
−HK$818/mo
Today · 4.125%
HK$27,496
baseline
▲ 0.50% · 4.625%
HK$29,169
+HK$1,673/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,992/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,784
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,556
−HK$783/mo
Today · 4.125%
HK$30,339
baseline
▲ 0.50% · 4.625%
HK$31,938
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,678/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,265
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,300
−HK$1,051/mo
Today · 4.125%
HK$35,351
baseline
▲ 0.50% · 4.625%
HK$37,503
+HK$2,152/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,702/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,007
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,000
−HK$1,007/mo
Today · 4.125%
HK$39,007
baseline
▲ 0.50% · 4.625%
HK$41,063
+HK$2,056/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$78,014/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,141 · 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).