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$18,452
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,026
−HK$583/mo
Today · 4.125%
HK$19,609
baseline
▲ 0.50% · 4.625%
HK$20,802
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,218/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,528
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,078
−HK$559/mo
Today · 4.125%
HK$21,637
baseline
▲ 0.50% · 4.625%
HK$22,777
+HK$1,140/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,274/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,142
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,831
−HK$700/mo
Today · 4.125%
HK$23,531
baseline
▲ 0.50% · 4.625%
HK$24,963
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,062/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,633
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,294
−HK$670/mo
Today · 4.125%
HK$25,964
baseline
▲ 0.50% · 4.625%
HK$27,333
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,928/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,833
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,636
−HK$817/mo
Today · 4.125%
HK$27,453
baseline
▲ 0.50% · 4.625%
HK$29,123
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,906/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,739
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,509
−HK$782/mo
Today · 4.125%
HK$30,291
baseline
▲ 0.50% · 4.625%
HK$31,888
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,582/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,214
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,247
−HK$1,049/mo
Today · 4.125%
HK$35,296
baseline
▲ 0.50% · 4.625%
HK$37,444
+HK$2,148/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,592/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,950
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,941
−HK$1,005/mo
Today · 4.125%
HK$38,946
baseline
▲ 0.50% · 4.625%
HK$40,999
+HK$2,053/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,892/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,763 · 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).