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$18,455
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,029
−HK$583/mo
Today · 4.125%
HK$19,612
baseline
▲ 0.50% · 4.625%
HK$20,805
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,224/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,531
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,081
−HK$559/mo
Today · 4.125%
HK$21,640
baseline
▲ 0.50% · 4.625%
HK$22,780
+HK$1,140/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,280/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,146
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,834
−HK$700/mo
Today · 4.125%
HK$23,534
baseline
▲ 0.50% · 4.625%
HK$24,966
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,068/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,637
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,297
−HK$671/mo
Today · 4.125%
HK$25,968
baseline
▲ 0.50% · 4.625%
HK$27,336
+HK$1,368/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,936/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,836
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,640
−HK$817/mo
Today · 4.125%
HK$27,457
baseline
▲ 0.50% · 4.625%
HK$29,127
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,914/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,743
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,514
−HK$782/mo
Today · 4.125%
HK$30,296
baseline
▲ 0.50% · 4.625%
HK$31,893
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,592/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,218
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,252
−HK$1,049/mo
Today · 4.125%
HK$35,301
baseline
▲ 0.50% · 4.625%
HK$37,449
+HK$2,148/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,602/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,955
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,946
−HK$1,006/mo
Today · 4.125%
HK$38,952
baseline
▲ 0.50% · 4.625%
HK$41,005
+HK$2,053/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,904/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,797 · 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).