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$18,451
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,025
−HK$583/mo
Today · 4.125%
HK$19,608
baseline
▲ 0.50% · 4.625%
HK$20,801
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,216/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,527
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,077
−HK$559/mo
Today · 4.125%
HK$21,636
baseline
▲ 0.50% · 4.625%
HK$22,776
+HK$1,140/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,272/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,141
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,830
−HK$700/mo
Today · 4.125%
HK$23,530
baseline
▲ 0.50% · 4.625%
HK$24,961
+HK$1,431/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$47,060/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,632
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,292
−HK$671/mo
Today · 4.125%
HK$25,963
baseline
▲ 0.50% · 4.625%
HK$27,331
+HK$1,368/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$51,926/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,831
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,635
−HK$816/mo
Today · 4.125%
HK$27,451
baseline
▲ 0.50% · 4.625%
HK$29,122
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,902/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,737
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,508
−HK$782/mo
Today · 4.125%
HK$30,290
baseline
▲ 0.50% · 4.625%
HK$31,886
+HK$1,596/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,580/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,212
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,245
−HK$1,049/mo
Today · 4.125%
HK$35,294
baseline
▲ 0.50% · 4.625%
HK$37,442
+HK$2,148/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,588/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,948
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,939
−HK$1,005/mo
Today · 4.125%
HK$38,944
baseline
▲ 0.50% · 4.625%
HK$40,997
+HK$2,053/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,888/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,749 · 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).