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$18,450
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,024
−HK$583/mo
Today · 4.125%
HK$19,607
baseline
▲ 0.50% · 4.625%
HK$20,800
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,214/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,526
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,076
−HK$559/mo
Today · 4.125%
HK$21,635
baseline
▲ 0.50% · 4.625%
HK$22,775
+HK$1,140/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,270/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,140
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,829
−HK$700/mo
Today · 4.125%
HK$23,529
baseline
▲ 0.50% · 4.625%
HK$24,961
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$47,058/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,631
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,292
−HK$670/mo
Today · 4.125%
HK$25,962
baseline
▲ 0.50% · 4.625%
HK$27,330
+HK$1,368/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$51,924/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,831
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,634
−HK$816/mo
Today · 4.125%
HK$27,450
baseline
▲ 0.50% · 4.625%
HK$29,121
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,900/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,736
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,507
−HK$782/mo
Today · 4.125%
HK$30,289
baseline
▲ 0.50% · 4.625%
HK$31,885
+HK$1,596/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,578/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,211
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,244
−HK$1,049/mo
Today · 4.125%
HK$35,293
baseline
▲ 0.50% · 4.625%
HK$37,441
+HK$2,148/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,586/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,947
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,937
−HK$1,006/mo
Today · 4.125%
HK$38,943
baseline
▲ 0.50% · 4.625%
HK$40,995
+HK$2,052/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,886/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,742 · 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).