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$18,420
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,992
−HK$583/mo
Today · 4.125%
HK$19,575
baseline
▲ 0.50% · 4.625%
HK$20,766
+HK$1,191/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,150/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,492
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,041
−HK$558/mo
Today · 4.125%
HK$21,599
baseline
▲ 0.50% · 4.625%
HK$22,737
+HK$1,138/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,198/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,103
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,791
−HK$699/mo
Today · 4.125%
HK$23,490
baseline
▲ 0.50% · 4.625%
HK$24,919
+HK$1,429/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$46,980/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,590
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,249
−HK$669/mo
Today · 4.125%
HK$25,918
baseline
▲ 0.50% · 4.625%
HK$27,285
+HK$1,367/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,836/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,787
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,589
−HK$815/mo
Today · 4.125%
HK$27,404
baseline
▲ 0.50% · 4.625%
HK$29,072
+HK$1,668/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,808/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,688
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,458
−HK$780/mo
Today · 4.125%
HK$30,238
baseline
▲ 0.50% · 4.625%
HK$31,832
+HK$1,594/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,476/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,155
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,186
−HK$1,048/mo
Today · 4.125%
HK$35,234
baseline
▲ 0.50% · 4.625%
HK$37,378
+HK$2,144/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,468/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,885
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,874
−HK$1,004/mo
Today · 4.125%
HK$38,878
baseline
▲ 0.50% · 4.625%
HK$40,927
+HK$2,049/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,756/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,336 · 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).