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$18,428
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,001
−HK$583/mo
Today · 4.125%
HK$19,584
baseline
▲ 0.50% · 4.625%
HK$20,775
+HK$1,191/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,168/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,501
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,051
−HK$557/mo
Today · 4.125%
HK$21,608
baseline
▲ 0.50% · 4.625%
HK$22,747
+HK$1,139/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,216/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,114
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,801
−HK$699/mo
Today · 4.125%
HK$23,500
baseline
▲ 0.50% · 4.625%
HK$24,930
+HK$1,430/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$47,000/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,601
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,261
−HK$669/mo
Today · 4.125%
HK$25,930
baseline
▲ 0.50% · 4.625%
HK$27,297
+HK$1,367/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,860/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,799
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,602
−HK$815/mo
Today · 4.125%
HK$27,417
baseline
▲ 0.50% · 4.625%
HK$29,085
+HK$1,668/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$54,834/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,701
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,471
−HK$781/mo
Today · 4.125%
HK$30,252
baseline
▲ 0.50% · 4.625%
HK$31,846
+HK$1,594/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$60,504/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,170
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,202
−HK$1,048/mo
Today · 4.125%
HK$35,250
baseline
▲ 0.50% · 4.625%
HK$37,395
+HK$2,145/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,500/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,902
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,891
−HK$1,004/mo
Today · 4.125%
HK$38,895
baseline
▲ 0.50% · 4.625%
HK$40,945
+HK$2,050/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,790/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,446 · 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).