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$18,469
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,043
−HK$584/mo
Today · 4.125%
HK$19,627
baseline
▲ 0.50% · 4.625%
HK$20,821
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,254/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,546
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,097
−HK$559/mo
Today · 4.125%
HK$21,656
baseline
▲ 0.50% · 4.625%
HK$22,798
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,312/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,162
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,852
−HK$700/mo
Today · 4.125%
HK$23,552
baseline
▲ 0.50% · 4.625%
HK$24,985
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,104/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,655
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,317
−HK$670/mo
Today · 4.125%
HK$25,987
baseline
▲ 0.50% · 4.625%
HK$27,357
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,974/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,856
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,660
−HK$817/mo
Today · 4.125%
HK$27,477
baseline
▲ 0.50% · 4.625%
HK$29,149
+HK$1,672/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,954/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,765
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,536
−HK$783/mo
Today · 4.125%
HK$30,319
baseline
▲ 0.50% · 4.625%
HK$31,917
+HK$1,598/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,638/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,243
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,277
−HK$1,051/mo
Today · 4.125%
HK$35,328
baseline
▲ 0.50% · 4.625%
HK$37,478
+HK$2,150/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,656/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,983
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,975
−HK$1,006/mo
Today · 4.125%
HK$38,981
baseline
▲ 0.50% · 4.625%
HK$41,036
+HK$2,055/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,962/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,981 · 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).