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$18,417
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,990
−HK$582/mo
Today · 4.125%
HK$19,572
baseline
▲ 0.50% · 4.625%
HK$20,763
+HK$1,191/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,144/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,489
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,039
−HK$557/mo
Today · 4.125%
HK$21,596
baseline
▲ 0.50% · 4.625%
HK$22,734
+HK$1,138/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,192/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,101
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,788
−HK$699/mo
Today · 4.125%
HK$23,487
baseline
▲ 0.50% · 4.625%
HK$24,916
+HK$1,429/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$46,974/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,587
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,246
−HK$669/mo
Today · 4.125%
HK$25,915
baseline
▲ 0.50% · 4.625%
HK$27,281
+HK$1,366/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,830/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,784
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,586
−HK$815/mo
Today · 4.125%
HK$27,401
baseline
▲ 0.50% · 4.625%
HK$29,069
+HK$1,668/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,802/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,685
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,454
−HK$781/mo
Today · 4.125%
HK$30,235
baseline
▲ 0.50% · 4.625%
HK$31,828
+HK$1,593/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,470/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,151
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,182
−HK$1,048/mo
Today · 4.125%
HK$35,230
baseline
▲ 0.50% · 4.625%
HK$37,374
+HK$2,144/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,460/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,880
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,870
−HK$1,003/mo
Today · 4.125%
HK$38,873
baseline
▲ 0.50% · 4.625%
HK$40,922
+HK$2,049/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,746/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,307 · 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).