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$18,440
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,014
−HK$583/mo
Today · 4.125%
HK$19,597
baseline
▲ 0.50% · 4.625%
HK$20,789
+HK$1,192/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,194/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,515
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,065
−HK$558/mo
Today · 4.125%
HK$21,623
baseline
▲ 0.50% · 4.625%
HK$22,763
+HK$1,140/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,246/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,128
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,817
−HK$699/mo
Today · 4.125%
HK$23,516
baseline
▲ 0.50% · 4.625%
HK$24,947
+HK$1,431/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$47,032/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,617
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,278
−HK$670/mo
Today · 4.125%
HK$25,948
baseline
▲ 0.50% · 4.625%
HK$27,315
+HK$1,367/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,896/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,816
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,619
−HK$816/mo
Today · 4.125%
HK$27,435
baseline
▲ 0.50% · 4.625%
HK$29,105
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,870/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,720
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,491
−HK$781/mo
Today · 4.125%
HK$30,272
baseline
▲ 0.50% · 4.625%
HK$31,868
+HK$1,596/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,544/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,192
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,225
−HK$1,049/mo
Today · 4.125%
HK$35,274
baseline
▲ 0.50% · 4.625%
HK$37,420
+HK$2,146/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,548/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,926
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,917
−HK$1,004/mo
Today · 4.125%
HK$38,921
baseline
▲ 0.50% · 4.625%
HK$40,973
+HK$2,052/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,842/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,608 · 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).