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$18,402
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,975
−HK$581/mo
Today · 4.125%
HK$19,556
baseline
▲ 0.50% · 4.625%
HK$20,746
+HK$1,190/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,112/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,472
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,021
−HK$557/mo
Today · 4.125%
HK$21,578
baseline
▲ 0.50% · 4.625%
HK$22,716
+HK$1,138/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,156/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,083
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,770
−HK$698/mo
Today · 4.125%
HK$23,468
baseline
▲ 0.50% · 4.625%
HK$24,896
+HK$1,428/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,936/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,567
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,226
−HK$668/mo
Today · 4.125%
HK$25,894
baseline
▲ 0.50% · 4.625%
HK$27,259
+HK$1,365/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,788/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,763
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,565
−HK$814/mo
Today · 4.125%
HK$27,379
baseline
▲ 0.50% · 4.625%
HK$29,045
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,758/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,661
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,430
−HK$780/mo
Today · 4.125%
HK$30,210
baseline
▲ 0.50% · 4.625%
HK$31,802
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,420/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,124
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,155
−HK$1,046/mo
Today · 4.125%
HK$35,201
baseline
▲ 0.50% · 4.625%
HK$37,343
+HK$2,142/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,402/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,850
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,839
−HK$1,002/mo
Today · 4.125%
HK$38,841
baseline
▲ 0.50% · 4.625%
HK$40,889
+HK$2,048/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,682/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,109 · 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).