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$18,432
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,005
−HK$583/mo
Today · 4.125%
HK$19,588
baseline
▲ 0.50% · 4.625%
HK$20,780
+HK$1,192/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,176/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,505
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,055
−HK$558/mo
Today · 4.125%
HK$21,613
baseline
▲ 0.50% · 4.625%
HK$22,752
+HK$1,139/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,226/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,118
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,806
−HK$699/mo
Today · 4.125%
HK$23,505
baseline
▲ 0.50% · 4.625%
HK$24,936
+HK$1,431/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$47,010/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,606
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,266
−HK$670/mo
Today · 4.125%
HK$25,936
baseline
▲ 0.50% · 4.625%
HK$27,303
+HK$1,367/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,872/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,805
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,607
−HK$816/mo
Today · 4.125%
HK$27,423
baseline
▲ 0.50% · 4.625%
HK$29,092
+HK$1,669/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$54,846/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,707
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,477
−HK$781/mo
Today · 4.125%
HK$30,258
baseline
▲ 0.50% · 4.625%
HK$31,853
+HK$1,595/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$60,516/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,177
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,209
−HK$1,049/mo
Today · 4.125%
HK$35,258
baseline
▲ 0.50% · 4.625%
HK$37,403
+HK$2,145/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,516/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,910
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,900
−HK$1,004/mo
Today · 4.125%
HK$38,904
baseline
▲ 0.50% · 4.625%
HK$40,954
+HK$2,050/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,808/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,499 · 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).