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$18,405
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,977
−HK$582/mo
Today · 4.125%
HK$19,559
baseline
▲ 0.50% · 4.625%
HK$20,749
+HK$1,190/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,118/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,475
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,024
−HK$557/mo
Today · 4.125%
HK$21,581
baseline
▲ 0.50% · 4.625%
HK$22,719
+HK$1,138/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,162/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,086
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,773
−HK$698/mo
Today · 4.125%
HK$23,471
baseline
▲ 0.50% · 4.625%
HK$24,899
+HK$1,428/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,942/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,570
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,229
−HK$669/mo
Today · 4.125%
HK$25,898
baseline
▲ 0.50% · 4.625%
HK$27,263
+HK$1,365/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,796/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,767
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,568
−HK$815/mo
Today · 4.125%
HK$27,383
baseline
▲ 0.50% · 4.625%
HK$29,049
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,766/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,665
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,434
−HK$780/mo
Today · 4.125%
HK$30,214
baseline
▲ 0.50% · 4.625%
HK$31,807
+HK$1,593/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,428/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,129
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,159
−HK$1,047/mo
Today · 4.125%
HK$35,206
baseline
▲ 0.50% · 4.625%
HK$37,348
+HK$2,142/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,412/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,855
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,844
−HK$1,003/mo
Today · 4.125%
HK$38,847
baseline
▲ 0.50% · 4.625%
HK$40,894
+HK$2,047/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,694/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,143 · 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).