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$18,479
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,054
−HK$584/mo
Today · 4.125%
HK$19,638
baseline
▲ 0.50% · 4.625%
HK$20,833
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,276/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,558
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,109
−HK$559/mo
Today · 4.125%
HK$21,668
baseline
▲ 0.50% · 4.625%
HK$22,811
+HK$1,143/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,336/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,175
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,865
−HK$700/mo
Today · 4.125%
HK$23,565
baseline
▲ 0.50% · 4.625%
HK$24,999
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,130/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,669
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,331
−HK$671/mo
Today · 4.125%
HK$26,002
baseline
▲ 0.50% · 4.625%
HK$27,373
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,004/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,871
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,675
−HK$818/mo
Today · 4.125%
HK$27,493
baseline
▲ 0.50% · 4.625%
HK$29,166
+HK$1,673/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,986/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,781
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,553
−HK$783/mo
Today · 4.125%
HK$30,336
baseline
▲ 0.50% · 4.625%
HK$31,935
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,672/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,262
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,297
−HK$1,051/mo
Today · 4.125%
HK$35,348
baseline
▲ 0.50% · 4.625%
HK$37,499
+HK$2,151/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,696/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,004
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,996
−HK$1,007/mo
Today · 4.125%
HK$39,003
baseline
▲ 0.50% · 4.625%
HK$41,059
+HK$2,056/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$78,006/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,118 · 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).