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$18,479
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,053
−HK$584/mo
Today · 4.125%
HK$19,637
baseline
▲ 0.50% · 4.625%
HK$20,832
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,274/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,557
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,108
−HK$560/mo
Today · 4.125%
HK$21,668
baseline
▲ 0.50% · 4.625%
HK$22,810
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,336/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,174
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,864
−HK$701/mo
Today · 4.125%
HK$23,565
baseline
▲ 0.50% · 4.625%
HK$24,999
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,130/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,669
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,330
−HK$671/mo
Today · 4.125%
HK$26,001
baseline
▲ 0.50% · 4.625%
HK$27,372
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,002/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,870
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,675
−HK$817/mo
Today · 4.125%
HK$27,492
baseline
▲ 0.50% · 4.625%
HK$29,165
+HK$1,673/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,984/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,780
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,552
−HK$783/mo
Today · 4.125%
HK$30,335
baseline
▲ 0.50% · 4.625%
HK$31,934
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,670/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,261
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,296
−HK$1,051/mo
Today · 4.125%
HK$35,347
baseline
▲ 0.50% · 4.625%
HK$37,498
+HK$2,151/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,694/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,003
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,995
−HK$1,007/mo
Today · 4.125%
HK$39,002
baseline
▲ 0.50% · 4.625%
HK$41,058
+HK$2,056/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$78,004/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,111 · 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).