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$18,456
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,031
−HK$583/mo
Today · 4.125%
HK$19,614
baseline
▲ 0.50% · 4.625%
HK$20,807
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,228/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,533
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,083
−HK$559/mo
Today · 4.125%
HK$21,642
baseline
▲ 0.50% · 4.625%
HK$22,783
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,284/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,148
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,837
−HK$700/mo
Today · 4.125%
HK$23,537
baseline
▲ 0.50% · 4.625%
HK$24,969
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,074/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,639
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,300
−HK$670/mo
Today · 4.125%
HK$25,970
baseline
▲ 0.50% · 4.625%
HK$27,339
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,940/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,839
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,643
−HK$816/mo
Today · 4.125%
HK$27,459
baseline
▲ 0.50% · 4.625%
HK$29,130
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,918/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,746
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,517
−HK$782/mo
Today · 4.125%
HK$30,299
baseline
▲ 0.50% · 4.625%
HK$31,896
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,598/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,222
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,255
−HK$1,050/mo
Today · 4.125%
HK$35,305
baseline
▲ 0.50% · 4.625%
HK$37,453
+HK$2,148/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,610/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,959
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,950
−HK$1,006/mo
Today · 4.125%
HK$38,956
baseline
▲ 0.50% · 4.625%
HK$41,009
+HK$2,053/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,912/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,822 · 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).