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$18,400
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,972
−HK$582/mo
Today · 4.125%
HK$19,554
baseline
▲ 0.50% · 4.625%
HK$20,744
+HK$1,190/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,108/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,470
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,019
−HK$557/mo
Today · 4.125%
HK$21,576
baseline
▲ 0.50% · 4.625%
HK$22,713
+HK$1,137/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,152/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,080
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,767
−HK$698/mo
Today · 4.125%
HK$23,465
baseline
▲ 0.50% · 4.625%
HK$24,892
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,930/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,564
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,223
−HK$668/mo
Today · 4.125%
HK$25,891
baseline
▲ 0.50% · 4.625%
HK$27,256
+HK$1,365/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,782/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,760
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,561
−HK$814/mo
Today · 4.125%
HK$27,375
baseline
▲ 0.50% · 4.625%
HK$29,041
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,750/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,658
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,426
−HK$780/mo
Today · 4.125%
HK$30,206
baseline
▲ 0.50% · 4.625%
HK$31,798
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,412/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,120
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,150
−HK$1,047/mo
Today · 4.125%
HK$35,197
baseline
▲ 0.50% · 4.625%
HK$37,339
+HK$2,142/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,394/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,846
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,834
−HK$1,002/mo
Today · 4.125%
HK$38,836
baseline
▲ 0.50% · 4.625%
HK$40,883
+HK$2,047/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,672/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,079 · 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).