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$18,474
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,049
−HK$584/mo
Today · 4.125%
HK$19,633
baseline
▲ 0.50% · 4.625%
HK$20,827
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,266/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,552
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,104
−HK$559/mo
Today · 4.125%
HK$21,663
baseline
▲ 0.50% · 4.625%
HK$22,805
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,326/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,169
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,859
−HK$700/mo
Today · 4.125%
HK$23,559
baseline
▲ 0.50% · 4.625%
HK$24,993
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,118/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,663
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,324
−HK$671/mo
Today · 4.125%
HK$25,995
baseline
▲ 0.50% · 4.625%
HK$27,366
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,990/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,864
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,668
−HK$818/mo
Today · 4.125%
HK$27,486
baseline
▲ 0.50% · 4.625%
HK$29,158
+HK$1,672/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,972/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,773
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,545
−HK$783/mo
Today · 4.125%
HK$30,328
baseline
▲ 0.50% · 4.625%
HK$31,927
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,656/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,254
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,288
−HK$1,051/mo
Today · 4.125%
HK$35,339
baseline
▲ 0.50% · 4.625%
HK$37,489
+HK$2,150/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,678/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,994
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,987
−HK$1,006/mo
Today · 4.125%
HK$38,993
baseline
▲ 0.50% · 4.625%
HK$41,048
+HK$2,055/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,986/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,055 · 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).