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$18,441
−HK$1,156/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$242,613 · 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$242,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,129
−HK$1,387/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$242,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,618
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,278
−HK$670/mo
Today · 4.125%
HK$25,948
baseline
▲ 0.50% · 4.625%
HK$27,316
+HK$1,368/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$242,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,817
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,620
−HK$816/mo
Today · 4.125%
HK$27,436
baseline
▲ 0.50% · 4.625%
HK$29,105
+HK$1,669/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,872/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,721
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,491
−HK$782/mo
Today · 4.125%
HK$30,273
baseline
▲ 0.50% · 4.625%
HK$31,868
+HK$1,595/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,546/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,193
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,226
−HK$1,049/mo
Today · 4.125%
HK$35,275
baseline
▲ 0.50% · 4.625%
HK$37,421
+HK$2,146/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,550/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,927
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,917
−HK$1,005/mo
Today · 4.125%
HK$38,922
baseline
▲ 0.50% · 4.625%
HK$40,974
+HK$2,052/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,844/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,613 · 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).