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$18,416
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,989
−HK$582/mo
Today · 4.125%
HK$19,571
baseline
▲ 0.50% · 4.625%
HK$20,762
+HK$1,191/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,142/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,488
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,038
−HK$557/mo
Today · 4.125%
HK$21,595
baseline
▲ 0.50% · 4.625%
HK$22,733
+HK$1,138/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,190/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,100
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,787
−HK$698/mo
Today · 4.125%
HK$23,485
baseline
▲ 0.50% · 4.625%
HK$24,915
+HK$1,430/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$46,970/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,586
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,245
−HK$669/mo
Today · 4.125%
HK$25,914
baseline
▲ 0.50% · 4.625%
HK$27,280
+HK$1,366/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,828/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,783
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,585
−HK$815/mo
Today · 4.125%
HK$27,400
baseline
▲ 0.50% · 4.625%
HK$29,067
+HK$1,667/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,800/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,683
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,453
−HK$780/mo
Today · 4.125%
HK$30,233
baseline
▲ 0.50% · 4.625%
HK$31,827
+HK$1,594/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,466/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,149
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,181
−HK$1,047/mo
Today · 4.125%
HK$35,228
baseline
▲ 0.50% · 4.625%
HK$37,372
+HK$2,144/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,456/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,878
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,868
−HK$1,003/mo
Today · 4.125%
HK$38,871
baseline
▲ 0.50% · 4.625%
HK$40,920
+HK$2,049/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,742/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,294 · 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).