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$18,407
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,980
−HK$582/mo
Today · 4.125%
HK$19,562
baseline
▲ 0.50% · 4.625%
HK$20,752
+HK$1,190/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,124/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,478
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,027
−HK$558/mo
Today · 4.125%
HK$21,585
baseline
▲ 0.50% · 4.625%
HK$22,722
+HK$1,137/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,170/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,089
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,776
−HK$698/mo
Today · 4.125%
HK$23,474
baseline
▲ 0.50% · 4.625%
HK$24,903
+HK$1,429/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,948/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,574
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,233
−HK$668/mo
Today · 4.125%
HK$25,901
baseline
▲ 0.50% · 4.625%
HK$27,267
+HK$1,366/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,802/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,770
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,572
−HK$815/mo
Today · 4.125%
HK$27,387
baseline
▲ 0.50% · 4.625%
HK$29,053
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,774/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,669
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,438
−HK$780/mo
Today · 4.125%
HK$30,218
baseline
▲ 0.50% · 4.625%
HK$31,811
+HK$1,593/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,436/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,133
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,164
−HK$1,047/mo
Today · 4.125%
HK$35,211
baseline
▲ 0.50% · 4.625%
HK$37,354
+HK$2,143/mo
Deposit HK$807K · loan HK$7.27M · min. income ≈ HK$70,422/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,861
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,849
−HK$1,003/mo
Today · 4.125%
HK$38,852
baseline
▲ 0.50% · 4.625%
HK$40,900
+HK$2,048/mo
Deposit HK$807K · loan HK$7.27M · min. income ≈ HK$77,704/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,177 · 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).