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$18,460
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,034
−HK$584/mo
Today · 4.125%
HK$19,618
baseline
▲ 0.50% · 4.625%
HK$20,811
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,236/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,537
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,087
−HK$559/mo
Today · 4.125%
HK$21,646
baseline
▲ 0.50% · 4.625%
HK$22,787
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,292/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,152
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,841
−HK$700/mo
Today · 4.125%
HK$23,541
baseline
▲ 0.50% · 4.625%
HK$24,974
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,082/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,644
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,305
−HK$670/mo
Today · 4.125%
HK$25,975
baseline
▲ 0.50% · 4.625%
HK$27,345
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,950/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,844
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,648
−HK$817/mo
Today · 4.125%
HK$27,465
baseline
▲ 0.50% · 4.625%
HK$29,136
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,930/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,751
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,522
−HK$783/mo
Today · 4.125%
HK$30,305
baseline
▲ 0.50% · 4.625%
HK$31,902
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,610/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,228
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,262
−HK$1,050/mo
Today · 4.125%
HK$35,312
baseline
▲ 0.50% · 4.625%
HK$37,460
+HK$2,148/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,624/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,966
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,957
−HK$1,006/mo
Today · 4.125%
HK$38,963
baseline
▲ 0.50% · 4.625%
HK$41,017
+HK$2,054/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,926/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,869 · 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).