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$18,436
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,010
−HK$582/mo
Today · 4.125%
HK$19,592
baseline
▲ 0.50% · 4.625%
HK$20,785
+HK$1,193/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,184/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,510
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,060
−HK$558/mo
Today · 4.125%
HK$21,618
baseline
▲ 0.50% · 4.625%
HK$22,758
+HK$1,140/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,236/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,123
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,812
−HK$699/mo
Today · 4.125%
HK$23,511
baseline
▲ 0.50% · 4.625%
HK$24,941
+HK$1,430/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$47,022/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,612
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,272
−HK$670/mo
Today · 4.125%
HK$25,942
baseline
▲ 0.50% · 4.625%
HK$27,309
+HK$1,367/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,884/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,811
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,614
−HK$815/mo
Today · 4.125%
HK$27,429
baseline
▲ 0.50% · 4.625%
HK$29,098
+HK$1,669/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,858/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,714
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,484
−HK$782/mo
Today · 4.125%
HK$30,266
baseline
▲ 0.50% · 4.625%
HK$31,861
+HK$1,595/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,532/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,185
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,217
−HK$1,049/mo
Today · 4.125%
HK$35,266
baseline
▲ 0.50% · 4.625%
HK$37,412
+HK$2,146/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,532/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,918
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,908
−HK$1,005/mo
Today · 4.125%
HK$38,913
baseline
▲ 0.50% · 4.625%
HK$40,964
+HK$2,051/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,826/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,555 · 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).