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$18,445
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,018
−HK$583/mo
Today · 4.125%
HK$19,601
baseline
▲ 0.50% · 4.625%
HK$20,794
+HK$1,193/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,202/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,520
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,070
−HK$558/mo
Today · 4.125%
HK$21,628
baseline
▲ 0.50% · 4.625%
HK$22,768
+HK$1,140/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,256/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,134
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,822
−HK$700/mo
Today · 4.125%
HK$23,522
baseline
▲ 0.50% · 4.625%
HK$24,953
+HK$1,431/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$47,044/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,623
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,284
−HK$670/mo
Today · 4.125%
HK$25,954
baseline
▲ 0.50% · 4.625%
HK$27,322
+HK$1,368/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$51,908/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,823
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,626
−HK$816/mo
Today · 4.125%
HK$27,442
baseline
▲ 0.50% · 4.625%
HK$29,112
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,884/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,727
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,498
−HK$781/mo
Today · 4.125%
HK$30,279
baseline
▲ 0.50% · 4.625%
HK$31,875
+HK$1,596/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,558/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,200
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,233
−HK$1,049/mo
Today · 4.125%
HK$35,282
baseline
▲ 0.50% · 4.625%
HK$37,429
+HK$2,147/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,564/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,935
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,926
−HK$1,005/mo
Today · 4.125%
HK$38,931
baseline
▲ 0.50% · 4.625%
HK$40,983
+HK$2,052/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,862/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,666 · 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).