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$18,439
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,013
−HK$583/mo
Today · 4.125%
HK$19,596
baseline
▲ 0.50% · 4.625%
HK$20,788
+HK$1,192/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,192/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,514
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,064
−HK$558/mo
Today · 4.125%
HK$21,622
baseline
▲ 0.50% · 4.625%
HK$22,762
+HK$1,140/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,244/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,127
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,816
−HK$699/mo
Today · 4.125%
HK$23,515
baseline
▲ 0.50% · 4.625%
HK$24,946
+HK$1,431/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$47,030/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,616
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,277
−HK$669/mo
Today · 4.125%
HK$25,946
baseline
▲ 0.50% · 4.625%
HK$27,314
+HK$1,368/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,892/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,815
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,618
−HK$816/mo
Today · 4.125%
HK$27,434
baseline
▲ 0.50% · 4.625%
HK$29,103
+HK$1,669/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,868/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,719
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,489
−HK$782/mo
Today · 4.125%
HK$30,271
baseline
▲ 0.50% · 4.625%
HK$31,866
+HK$1,595/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,542/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,191
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,223
−HK$1,049/mo
Today · 4.125%
HK$35,272
baseline
▲ 0.50% · 4.625%
HK$37,419
+HK$2,147/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,544/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,925
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,915
−HK$1,005/mo
Today · 4.125%
HK$38,920
baseline
▲ 0.50% · 4.625%
HK$40,971
+HK$2,051/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,840/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,598 · 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).