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$18,442
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,015
−HK$583/mo
Today · 4.125%
HK$19,598
baseline
▲ 0.50% · 4.625%
HK$20,791
+HK$1,193/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,196/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,516
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,066
−HK$558/mo
Today · 4.125%
HK$21,624
baseline
▲ 0.50% · 4.625%
HK$22,764
+HK$1,140/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,248/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,130
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,818
−HK$700/mo
Today · 4.125%
HK$23,518
baseline
▲ 0.50% · 4.625%
HK$24,949
+HK$1,431/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$47,036/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,619
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,280
−HK$669/mo
Today · 4.125%
HK$25,949
baseline
▲ 0.50% · 4.625%
HK$27,317
+HK$1,368/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,898/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,818
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,621
−HK$816/mo
Today · 4.125%
HK$27,437
baseline
▲ 0.50% · 4.625%
HK$29,107
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,874/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,722
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,493
−HK$781/mo
Today · 4.125%
HK$30,274
baseline
▲ 0.50% · 4.625%
HK$31,870
+HK$1,596/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,548/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,195
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,227
−HK$1,049/mo
Today · 4.125%
HK$35,276
baseline
▲ 0.50% · 4.625%
HK$37,423
+HK$2,147/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,552/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,929
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,919
−HK$1,005/mo
Today · 4.125%
HK$38,924
baseline
▲ 0.50% · 4.625%
HK$40,976
+HK$2,052/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,848/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,625 · 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).