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$18,483
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,058
−HK$584/mo
Today · 4.125%
HK$19,642
baseline
▲ 0.50% · 4.625%
HK$20,837
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,284/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,562
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,113
−HK$560/mo
Today · 4.125%
HK$21,673
baseline
▲ 0.50% · 4.625%
HK$22,815
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,346/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,179
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,869
−HK$701/mo
Today · 4.125%
HK$23,570
baseline
▲ 0.50% · 4.625%
HK$25,004
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,140/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,674
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,336
−HK$671/mo
Today · 4.125%
HK$26,007
baseline
▲ 0.50% · 4.625%
HK$27,378
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,014/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,876
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,681
−HK$817/mo
Today · 4.125%
HK$27,498
baseline
▲ 0.50% · 4.625%
HK$29,172
+HK$1,674/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,996/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,787
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,559
−HK$783/mo
Today · 4.125%
HK$30,342
baseline
▲ 0.50% · 4.625%
HK$31,941
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,684/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,269
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,304
−HK$1,051/mo
Today · 4.125%
HK$35,355
baseline
▲ 0.50% · 4.625%
HK$37,506
+HK$2,151/mo
Deposit HK$811K · loan HK$7.29M · min. income ≈ HK$70,710/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,011
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,004
−HK$1,007/mo
Today · 4.125%
HK$39,011
baseline
▲ 0.50% · 4.625%
HK$41,067
+HK$2,056/mo
Deposit HK$811K · loan HK$7.29M · min. income ≈ HK$78,022/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,167 · 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).