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$18,405
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,978
−HK$581/mo
Today · 4.125%
HK$19,559
baseline
▲ 0.50% · 4.625%
HK$20,749
+HK$1,190/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,118/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,476
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,025
−HK$557/mo
Today · 4.125%
HK$21,582
baseline
▲ 0.50% · 4.625%
HK$22,719
+HK$1,137/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,164/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,086
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,773
−HK$698/mo
Today · 4.125%
HK$23,471
baseline
▲ 0.50% · 4.625%
HK$24,899
+HK$1,428/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,942/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,571
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,230
−HK$668/mo
Today · 4.125%
HK$25,898
baseline
▲ 0.50% · 4.625%
HK$27,263
+HK$1,365/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,796/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,767
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,569
−HK$814/mo
Today · 4.125%
HK$27,383
baseline
▲ 0.50% · 4.625%
HK$29,049
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,766/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,666
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,435
−HK$780/mo
Today · 4.125%
HK$30,215
baseline
▲ 0.50% · 4.625%
HK$31,807
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,430/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,129
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,160
−HK$1,047/mo
Today · 4.125%
HK$35,207
baseline
▲ 0.50% · 4.625%
HK$37,349
+HK$2,142/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,414/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,856
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,844
−HK$1,003/mo
Today · 4.125%
HK$38,847
baseline
▲ 0.50% · 4.625%
HK$40,895
+HK$2,048/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,694/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,147 · 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).