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$18,389
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,961
−HK$581/mo
Today · 4.125%
HK$19,542
baseline
▲ 0.50% · 4.625%
HK$20,731
+HK$1,189/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,084/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,457
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,006
−HK$557/mo
Today · 4.125%
HK$21,563
baseline
▲ 0.50% · 4.625%
HK$22,699
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,126/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,067
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,753
−HK$697/mo
Today · 4.125%
HK$23,450
baseline
▲ 0.50% · 4.625%
HK$24,877
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,900/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,549
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,207
−HK$668/mo
Today · 4.125%
HK$25,875
baseline
▲ 0.50% · 4.625%
HK$27,239
+HK$1,364/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,750/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,744
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,545
−HK$814/mo
Today · 4.125%
HK$27,359
baseline
▲ 0.50% · 4.625%
HK$29,024
+HK$1,665/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,718/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,640
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,408
−HK$780/mo
Today · 4.125%
HK$30,188
baseline
▲ 0.50% · 4.625%
HK$31,779
+HK$1,591/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,376/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,100
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,130
−HK$1,046/mo
Today · 4.125%
HK$35,176
baseline
▲ 0.50% · 4.625%
HK$37,316
+HK$2,140/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$70,352/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,823
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,811
−HK$1,002/mo
Today · 4.125%
HK$38,813
baseline
▲ 0.50% · 4.625%
HK$40,859
+HK$2,046/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$77,626/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,932 · 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).