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$18,424
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,997
−HK$582/mo
Today · 4.125%
HK$19,579
baseline
▲ 0.50% · 4.625%
HK$20,771
+HK$1,192/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,158/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,496
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,046
−HK$558/mo
Today · 4.125%
HK$21,604
baseline
▲ 0.50% · 4.625%
HK$22,742
+HK$1,138/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,208/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,109
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,796
−HK$699/mo
Today · 4.125%
HK$23,495
baseline
▲ 0.50% · 4.625%
HK$24,925
+HK$1,430/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$46,990/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,596
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,255
−HK$669/mo
Today · 4.125%
HK$25,924
baseline
▲ 0.50% · 4.625%
HK$27,291
+HK$1,367/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,848/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,793
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,596
−HK$815/mo
Today · 4.125%
HK$27,411
baseline
▲ 0.50% · 4.625%
HK$29,079
+HK$1,668/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$54,822/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,695
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,465
−HK$780/mo
Today · 4.125%
HK$30,245
baseline
▲ 0.50% · 4.625%
HK$31,839
+HK$1,594/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$60,490/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,163
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,195
−HK$1,048/mo
Today · 4.125%
HK$35,243
baseline
▲ 0.50% · 4.625%
HK$37,387
+HK$2,144/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,486/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,893
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,883
−HK$1,004/mo
Today · 4.125%
HK$38,887
baseline
▲ 0.50% · 4.625%
HK$40,936
+HK$2,049/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,774/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,393 · 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).