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$18,465
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,040
−HK$583/mo
Today · 4.125%
HK$19,623
baseline
▲ 0.50% · 4.625%
HK$20,817
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,246/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,542
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,093
−HK$559/mo
Today · 4.125%
HK$21,652
baseline
▲ 0.50% · 4.625%
HK$22,794
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,304/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,158
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,848
−HK$700/mo
Today · 4.125%
HK$23,548
baseline
▲ 0.50% · 4.625%
HK$24,981
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,096/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,651
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,312
−HK$671/mo
Today · 4.125%
HK$25,983
baseline
▲ 0.50% · 4.625%
HK$27,352
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,966/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,851
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,655
−HK$817/mo
Today · 4.125%
HK$27,472
baseline
▲ 0.50% · 4.625%
HK$29,144
+HK$1,672/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,944/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,759
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,531
−HK$782/mo
Today · 4.125%
HK$30,313
baseline
▲ 0.50% · 4.625%
HK$31,911
+HK$1,598/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,626/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,237
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,271
−HK$1,051/mo
Today · 4.125%
HK$35,322
baseline
▲ 0.50% · 4.625%
HK$37,471
+HK$2,149/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,644/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,976
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,968
−HK$1,006/mo
Today · 4.125%
HK$38,974
baseline
▲ 0.50% · 4.625%
HK$41,028
+HK$2,054/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,948/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,937 · 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).