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$18,446
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,020
−HK$582/mo
Today · 4.125%
HK$19,602
baseline
▲ 0.50% · 4.625%
HK$20,795
+HK$1,193/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,204/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,521
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,071
−HK$558/mo
Today · 4.125%
HK$21,629
baseline
▲ 0.50% · 4.625%
HK$22,770
+HK$1,141/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,258/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,135
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,823
−HK$700/mo
Today · 4.125%
HK$23,523
baseline
▲ 0.50% · 4.625%
HK$24,954
+HK$1,431/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$47,046/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,625
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,285
−HK$670/mo
Today · 4.125%
HK$25,955
baseline
▲ 0.50% · 4.625%
HK$27,323
+HK$1,368/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$51,910/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,824
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,627
−HK$816/mo
Today · 4.125%
HK$27,443
baseline
▲ 0.50% · 4.625%
HK$29,113
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,886/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,729
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,500
−HK$781/mo
Today · 4.125%
HK$30,281
baseline
▲ 0.50% · 4.625%
HK$31,877
+HK$1,596/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,562/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,202
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,235
−HK$1,049/mo
Today · 4.125%
HK$35,284
baseline
▲ 0.50% · 4.625%
HK$37,431
+HK$2,147/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,568/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,937
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,928
−HK$1,005/mo
Today · 4.125%
HK$38,933
baseline
▲ 0.50% · 4.625%
HK$40,985
+HK$2,052/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,866/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,681 · 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).