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$18,477
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,052
−HK$584/mo
Today · 4.125%
HK$19,636
baseline
▲ 0.50% · 4.625%
HK$20,830
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,272/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,555
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,107
−HK$559/mo
Today · 4.125%
HK$21,666
baseline
▲ 0.50% · 4.625%
HK$22,808
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,332/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,172
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,862
−HK$701/mo
Today · 4.125%
HK$23,563
baseline
▲ 0.50% · 4.625%
HK$24,996
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,126/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,666
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,328
−HK$671/mo
Today · 4.125%
HK$25,999
baseline
▲ 0.50% · 4.625%
HK$27,370
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,998/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,868
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,672
−HK$818/mo
Today · 4.125%
HK$27,490
baseline
▲ 0.50% · 4.625%
HK$29,162
+HK$1,672/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,980/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,778
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,549
−HK$783/mo
Today · 4.125%
HK$30,332
baseline
▲ 0.50% · 4.625%
HK$31,931
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,664/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,258
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,293
−HK$1,051/mo
Today · 4.125%
HK$35,344
baseline
▲ 0.50% · 4.625%
HK$37,495
+HK$2,151/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,688/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,000
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,992
−HK$1,007/mo
Today · 4.125%
HK$38,999
baseline
▲ 0.50% · 4.625%
HK$41,054
+HK$2,055/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,998/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,090 · 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).