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$18,434
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,008
−HK$582/mo
Today · 4.125%
HK$19,590
baseline
▲ 0.50% · 4.625%
HK$20,782
+HK$1,192/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,180/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,508
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,058
−HK$558/mo
Today · 4.125%
HK$21,616
baseline
▲ 0.50% · 4.625%
HK$22,755
+HK$1,139/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,232/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,121
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,809
−HK$699/mo
Today · 4.125%
HK$23,508
baseline
▲ 0.50% · 4.625%
HK$24,939
+HK$1,431/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$47,016/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,610
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,270
−HK$669/mo
Today · 4.125%
HK$25,939
baseline
▲ 0.50% · 4.625%
HK$27,306
+HK$1,367/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,878/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,808
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,611
−HK$815/mo
Today · 4.125%
HK$27,426
baseline
▲ 0.50% · 4.625%
HK$29,095
+HK$1,669/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,852/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,711
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,481
−HK$781/mo
Today · 4.125%
HK$30,262
baseline
▲ 0.50% · 4.625%
HK$31,858
+HK$1,596/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,524/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,182
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,214
−HK$1,049/mo
Today · 4.125%
HK$35,263
baseline
▲ 0.50% · 4.625%
HK$37,408
+HK$2,145/mo
Deposit HK$808K · loan HK$7.28M · min. income ≈ HK$70,526/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,914
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,904
−HK$1,005/mo
Today · 4.125%
HK$38,909
baseline
▲ 0.50% · 4.625%
HK$40,960
+HK$2,051/mo
Deposit HK$808K · loan HK$7.28M · min. income ≈ HK$77,818/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,530 · 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).