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$18,404
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,977
−HK$581/mo
Today · 4.125%
HK$19,558
baseline
▲ 0.50% · 4.625%
HK$20,748
+HK$1,190/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,116/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,474
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,024
−HK$557/mo
Today · 4.125%
HK$21,581
baseline
▲ 0.50% · 4.625%
HK$22,718
+HK$1,137/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,162/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,085
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,772
−HK$698/mo
Today · 4.125%
HK$23,470
baseline
▲ 0.50% · 4.625%
HK$24,898
+HK$1,428/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,940/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,569
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,228
−HK$669/mo
Today · 4.125%
HK$25,897
baseline
▲ 0.50% · 4.625%
HK$27,262
+HK$1,365/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,794/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,766
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,567
−HK$815/mo
Today · 4.125%
HK$27,382
baseline
▲ 0.50% · 4.625%
HK$29,048
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,764/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,664
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,433
−HK$780/mo
Today · 4.125%
HK$30,213
baseline
▲ 0.50% · 4.625%
HK$31,805
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,426/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,127
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,158
−HK$1,047/mo
Today · 4.125%
HK$35,205
baseline
▲ 0.50% · 4.625%
HK$37,347
+HK$2,142/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,410/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,854
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,842
−HK$1,003/mo
Today · 4.125%
HK$38,845
baseline
▲ 0.50% · 4.625%
HK$40,893
+HK$2,048/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,690/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,133 · 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).