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$18,478
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,052
−HK$584/mo
Today · 4.125%
HK$19,636
baseline
▲ 0.50% · 4.625%
HK$20,831
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,272/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,556
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,107
−HK$560/mo
Today · 4.125%
HK$21,667
baseline
▲ 0.50% · 4.625%
HK$22,809
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,334/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,173
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,863
−HK$701/mo
Today · 4.125%
HK$23,564
baseline
▲ 0.50% · 4.625%
HK$24,997
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,128/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,667
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,329
−HK$671/mo
Today · 4.125%
HK$26,000
baseline
▲ 0.50% · 4.625%
HK$27,371
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,000/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,869
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,673
−HK$818/mo
Today · 4.125%
HK$27,491
baseline
▲ 0.50% · 4.625%
HK$29,164
+HK$1,673/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,982/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,779
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,550
−HK$783/mo
Today · 4.125%
HK$30,333
baseline
▲ 0.50% · 4.625%
HK$31,932
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,666/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,260
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,294
−HK$1,051/mo
Today · 4.125%
HK$35,345
baseline
▲ 0.50% · 4.625%
HK$37,496
+HK$2,151/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,690/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,001
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,993
−HK$1,007/mo
Today · 4.125%
HK$39,000
baseline
▲ 0.50% · 4.625%
HK$41,056
+HK$2,056/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$78,000/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,100 · 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).