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$18,470
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,045
−HK$584/mo
Today · 4.125%
HK$19,629
baseline
▲ 0.50% · 4.625%
HK$20,823
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,258/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,548
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,099
−HK$559/mo
Today · 4.125%
HK$21,658
baseline
▲ 0.50% · 4.625%
HK$22,800
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,316/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,164
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,854
−HK$700/mo
Today · 4.125%
HK$23,554
baseline
▲ 0.50% · 4.625%
HK$24,988
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,108/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,658
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,319
−HK$671/mo
Today · 4.125%
HK$25,990
baseline
▲ 0.50% · 4.625%
HK$27,360
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,980/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,859
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,663
−HK$817/mo
Today · 4.125%
HK$27,480
baseline
▲ 0.50% · 4.625%
HK$29,152
+HK$1,672/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,960/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,767
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,539
−HK$783/mo
Today · 4.125%
HK$30,322
baseline
▲ 0.50% · 4.625%
HK$31,920
+HK$1,598/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,644/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,247
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,281
−HK$1,051/mo
Today · 4.125%
HK$35,332
baseline
▲ 0.50% · 4.625%
HK$37,481
+HK$2,149/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,664/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,987
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,979
−HK$1,006/mo
Today · 4.125%
HK$38,985
baseline
▲ 0.50% · 4.625%
HK$41,040
+HK$2,055/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,970/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,004 · 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).