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$18,473
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,048
−HK$583/mo
Today · 4.125%
HK$19,631
baseline
▲ 0.50% · 4.625%
HK$20,826
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,262/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,551
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,102
−HK$559/mo
Today · 4.125%
HK$21,661
baseline
▲ 0.50% · 4.625%
HK$22,803
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,322/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,168
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,857
−HK$701/mo
Today · 4.125%
HK$23,558
baseline
▲ 0.50% · 4.625%
HK$24,991
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,116/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,661
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,323
−HK$671/mo
Today · 4.125%
HK$25,994
baseline
▲ 0.50% · 4.625%
HK$27,364
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,988/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,862
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,667
−HK$817/mo
Today · 4.125%
HK$27,484
baseline
▲ 0.50% · 4.625%
HK$29,156
+HK$1,672/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,968/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,771
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,543
−HK$783/mo
Today · 4.125%
HK$30,326
baseline
▲ 0.50% · 4.625%
HK$31,924
+HK$1,598/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,652/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,251
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,286
−HK$1,051/mo
Today · 4.125%
HK$35,337
baseline
▲ 0.50% · 4.625%
HK$37,487
+HK$2,150/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,674/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,992
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,984
−HK$1,006/mo
Today · 4.125%
HK$38,990
baseline
▲ 0.50% · 4.625%
HK$41,046
+HK$2,056/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,980/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,039 · 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).