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$18,409
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,981
−HK$582/mo
Today · 4.125%
HK$19,563
baseline
▲ 0.50% · 4.625%
HK$20,753
+HK$1,190/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,126/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,479
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,029
−HK$557/mo
Today · 4.125%
HK$21,586
baseline
▲ 0.50% · 4.625%
HK$22,724
+HK$1,138/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,172/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,090
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,778
−HK$698/mo
Today · 4.125%
HK$23,476
baseline
▲ 0.50% · 4.625%
HK$24,904
+HK$1,428/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,952/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,575
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,234
−HK$669/mo
Today · 4.125%
HK$25,903
baseline
▲ 0.50% · 4.625%
HK$27,268
+HK$1,365/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,806/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,772
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,574
−HK$814/mo
Today · 4.125%
HK$27,388
baseline
▲ 0.50% · 4.625%
HK$29,055
+HK$1,667/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,776/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,671
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,440
−HK$780/mo
Today · 4.125%
HK$30,220
baseline
▲ 0.50% · 4.625%
HK$31,813
+HK$1,593/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,440/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,136
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,166
−HK$1,047/mo
Today · 4.125%
HK$35,213
baseline
▲ 0.50% · 4.625%
HK$37,356
+HK$2,143/mo
Deposit HK$807K · loan HK$7.27M · min. income ≈ HK$70,426/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,863
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,852
−HK$1,003/mo
Today · 4.125%
HK$38,855
baseline
▲ 0.50% · 4.625%
HK$40,903
+HK$2,048/mo
Deposit HK$807K · loan HK$7.27M · min. income ≈ HK$77,710/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,192 · 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).