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$18,474
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,049
−HK$583/mo
Today · 4.125%
HK$19,632
baseline
▲ 0.50% · 4.625%
HK$20,827
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,264/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,552
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,103
−HK$559/mo
Today · 4.125%
HK$21,662
baseline
▲ 0.50% · 4.625%
HK$22,804
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,324/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,169
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,858
−HK$701/mo
Today · 4.125%
HK$23,559
baseline
▲ 0.50% · 4.625%
HK$24,992
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,118/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,663
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,324
−HK$671/mo
Today · 4.125%
HK$25,995
baseline
▲ 0.50% · 4.625%
HK$27,365
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,990/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,864
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,668
−HK$817/mo
Today · 4.125%
HK$27,485
baseline
▲ 0.50% · 4.625%
HK$29,158
+HK$1,673/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,970/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,773
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,545
−HK$782/mo
Today · 4.125%
HK$30,327
baseline
▲ 0.50% · 4.625%
HK$31,926
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,654/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,253
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,287
−HK$1,051/mo
Today · 4.125%
HK$35,338
baseline
▲ 0.50% · 4.625%
HK$37,489
+HK$2,151/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,676/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,994
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,986
−HK$1,006/mo
Today · 4.125%
HK$38,992
baseline
▲ 0.50% · 4.625%
HK$41,048
+HK$2,056/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,984/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,052 · 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).