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$18,410
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,982
−HK$582/mo
Today · 4.125%
HK$19,564
baseline
▲ 0.50% · 4.625%
HK$20,755
+HK$1,191/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,128/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,481
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,030
−HK$557/mo
Today · 4.125%
HK$21,587
baseline
▲ 0.50% · 4.625%
HK$22,725
+HK$1,138/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,174/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,092
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,779
−HK$698/mo
Today · 4.125%
HK$23,477
baseline
▲ 0.50% · 4.625%
HK$24,905
+HK$1,428/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,954/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,577
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,236
−HK$668/mo
Today · 4.125%
HK$25,904
baseline
▲ 0.50% · 4.625%
HK$27,270
+HK$1,366/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,808/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,773
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,575
−HK$815/mo
Today · 4.125%
HK$27,390
baseline
▲ 0.50% · 4.625%
HK$29,056
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,780/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,673
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,442
−HK$780/mo
Today · 4.125%
HK$30,222
baseline
▲ 0.50% · 4.625%
HK$31,815
+HK$1,593/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,444/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,137
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,168
−HK$1,047/mo
Today · 4.125%
HK$35,215
baseline
▲ 0.50% · 4.625%
HK$37,358
+HK$2,143/mo
Deposit HK$807K · loan HK$7.27M · min. income ≈ HK$70,430/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,865
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,854
−HK$1,003/mo
Today · 4.125%
HK$38,857
baseline
▲ 0.50% · 4.625%
HK$40,905
+HK$2,048/mo
Deposit HK$807K · loan HK$7.27M · min. income ≈ HK$77,714/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,205 · 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).