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$18,455
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,030
−HK$583/mo
Today · 4.125%
HK$19,613
baseline
▲ 0.50% · 4.625%
HK$20,806
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,226/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,532
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,082
−HK$559/mo
Today · 4.125%
HK$21,641
baseline
▲ 0.50% · 4.625%
HK$22,782
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,282/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,147
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,835
−HK$700/mo
Today · 4.125%
HK$23,535
baseline
▲ 0.50% · 4.625%
HK$24,967
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,070/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,638
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,299
−HK$670/mo
Today · 4.125%
HK$25,969
baseline
▲ 0.50% · 4.625%
HK$27,338
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,938/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,838
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,641
−HK$817/mo
Today · 4.125%
HK$27,458
baseline
▲ 0.50% · 4.625%
HK$29,129
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,916/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,744
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,515
−HK$782/mo
Today · 4.125%
HK$30,297
baseline
▲ 0.50% · 4.625%
HK$31,894
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,594/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,220
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,253
−HK$1,050/mo
Today · 4.125%
HK$35,303
baseline
▲ 0.50% · 4.625%
HK$37,451
+HK$2,148/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,606/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,957
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,948
−HK$1,005/mo
Today · 4.125%
HK$38,953
baseline
▲ 0.50% · 4.625%
HK$41,007
+HK$2,054/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,906/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,809 · 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).