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$18,438
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,011
−HK$583/mo
Today · 4.125%
HK$19,594
baseline
▲ 0.50% · 4.625%
HK$20,786
+HK$1,192/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,188/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,512
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,062
−HK$558/mo
Today · 4.125%
HK$21,620
baseline
▲ 0.50% · 4.625%
HK$22,759
+HK$1,139/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,240/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,125
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,813
−HK$700/mo
Today · 4.125%
HK$23,513
baseline
▲ 0.50% · 4.625%
HK$24,943
+HK$1,430/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$47,026/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,614
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,274
−HK$670/mo
Today · 4.125%
HK$25,944
baseline
▲ 0.50% · 4.625%
HK$27,311
+HK$1,367/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,888/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,813
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,616
−HK$815/mo
Today · 4.125%
HK$27,431
baseline
▲ 0.50% · 4.625%
HK$29,100
+HK$1,669/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,862/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,716
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,486
−HK$782/mo
Today · 4.125%
HK$30,268
baseline
▲ 0.50% · 4.625%
HK$31,863
+HK$1,595/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,536/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,188
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,220
−HK$1,049/mo
Today · 4.125%
HK$35,269
baseline
▲ 0.50% · 4.625%
HK$37,415
+HK$2,146/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,538/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,921
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,911
−HK$1,005/mo
Today · 4.125%
HK$38,916
baseline
▲ 0.50% · 4.625%
HK$40,967
+HK$2,051/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,832/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,573 · 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).