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$18,480
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,055
−HK$584/mo
Today · 4.125%
HK$19,639
baseline
▲ 0.50% · 4.625%
HK$20,834
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,278/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,559
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,111
−HK$559/mo
Today · 4.125%
HK$21,670
baseline
▲ 0.50% · 4.625%
HK$22,812
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,340/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,176
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,866
−HK$701/mo
Today · 4.125%
HK$23,567
baseline
▲ 0.50% · 4.625%
HK$25,001
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,134/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,671
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,333
−HK$671/mo
Today · 4.125%
HK$26,004
baseline
▲ 0.50% · 4.625%
HK$27,375
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,008/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,872
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,677
−HK$818/mo
Today · 4.125%
HK$27,495
baseline
▲ 0.50% · 4.625%
HK$29,168
+HK$1,673/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,990/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,783
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,555
−HK$783/mo
Today · 4.125%
HK$30,338
baseline
▲ 0.50% · 4.625%
HK$31,937
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,676/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,265
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,299
−HK$1,052/mo
Today · 4.125%
HK$35,351
baseline
▲ 0.50% · 4.625%
HK$37,502
+HK$2,151/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,702/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,007
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,999
−HK$1,007/mo
Today · 4.125%
HK$39,006
baseline
▲ 0.50% · 4.625%
HK$41,062
+HK$2,056/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$78,012/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,136 · 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).