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$18,447
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,021
−HK$583/mo
Today · 4.125%
HK$19,604
baseline
▲ 0.50% · 4.625%
HK$20,797
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,208/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,522
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,073
−HK$558/mo
Today · 4.125%
HK$21,631
baseline
▲ 0.50% · 4.625%
HK$22,771
+HK$1,140/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,262/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,137
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,825
−HK$700/mo
Today · 4.125%
HK$23,525
baseline
▲ 0.50% · 4.625%
HK$24,956
+HK$1,431/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$47,050/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,627
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,287
−HK$670/mo
Today · 4.125%
HK$25,957
baseline
▲ 0.50% · 4.625%
HK$27,326
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$51,914/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,826
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,630
−HK$816/mo
Today · 4.125%
HK$27,446
baseline
▲ 0.50% · 4.625%
HK$29,116
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,892/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,731
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,502
−HK$782/mo
Today · 4.125%
HK$30,284
baseline
▲ 0.50% · 4.625%
HK$31,880
+HK$1,596/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,568/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,205
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,238
−HK$1,049/mo
Today · 4.125%
HK$35,287
baseline
▲ 0.50% · 4.625%
HK$37,435
+HK$2,148/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,574/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,940
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,931
−HK$1,005/mo
Today · 4.125%
HK$38,936
baseline
▲ 0.50% · 4.625%
HK$40,989
+HK$2,053/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,872/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,701 · 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).