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$18,415
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,988
−HK$582/mo
Today · 4.125%
HK$19,570
baseline
▲ 0.50% · 4.625%
HK$20,761
+HK$1,191/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,140/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,487
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,036
−HK$558/mo
Today · 4.125%
HK$21,594
baseline
▲ 0.50% · 4.625%
HK$22,732
+HK$1,138/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,188/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,098
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,786
−HK$698/mo
Today · 4.125%
HK$23,484
baseline
▲ 0.50% · 4.625%
HK$24,913
+HK$1,429/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$46,968/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,584
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,243
−HK$669/mo
Today · 4.125%
HK$25,912
baseline
▲ 0.50% · 4.625%
HK$27,278
+HK$1,366/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,824/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,781
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,583
−HK$815/mo
Today · 4.125%
HK$27,398
baseline
▲ 0.50% · 4.625%
HK$29,065
+HK$1,667/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,796/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,681
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,451
−HK$780/mo
Today · 4.125%
HK$30,231
baseline
▲ 0.50% · 4.625%
HK$31,825
+HK$1,594/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,462/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,147
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,178
−HK$1,048/mo
Today · 4.125%
HK$35,226
baseline
▲ 0.50% · 4.625%
HK$37,369
+HK$2,143/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,452/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,876
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,865
−HK$1,003/mo
Today · 4.125%
HK$38,868
baseline
▲ 0.50% · 4.625%
HK$40,917
+HK$2,049/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,736/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,279 · 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).