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$18,407
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,980
−HK$581/mo
Today · 4.125%
HK$19,561
baseline
▲ 0.50% · 4.625%
HK$20,752
+HK$1,191/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,122/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,478
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,027
−HK$557/mo
Today · 4.125%
HK$21,584
baseline
▲ 0.50% · 4.625%
HK$22,722
+HK$1,138/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,168/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,088
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,775
−HK$699/mo
Today · 4.125%
HK$23,474
baseline
▲ 0.50% · 4.625%
HK$24,902
+HK$1,428/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,948/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,573
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,232
−HK$669/mo
Today · 4.125%
HK$25,901
baseline
▲ 0.50% · 4.625%
HK$27,266
+HK$1,365/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,802/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,770
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,571
−HK$815/mo
Today · 4.125%
HK$27,386
baseline
▲ 0.50% · 4.625%
HK$29,052
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,772/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,669
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,438
−HK$780/mo
Today · 4.125%
HK$30,218
baseline
▲ 0.50% · 4.625%
HK$31,810
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,436/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,133
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,163
−HK$1,047/mo
Today · 4.125%
HK$35,210
baseline
▲ 0.50% · 4.625%
HK$37,353
+HK$2,143/mo
Deposit HK$807K · loan HK$7.27M · min. income ≈ HK$70,420/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,860
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,848
−HK$1,003/mo
Today · 4.125%
HK$38,851
baseline
▲ 0.50% · 4.625%
HK$40,899
+HK$2,048/mo
Deposit HK$807K · loan HK$7.27M · min. income ≈ HK$77,702/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,170 · 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).