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$18,459
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,033
−HK$583/mo
Today · 4.125%
HK$19,616
baseline
▲ 0.50% · 4.625%
HK$20,810
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,232/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,535
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,086
−HK$559/mo
Today · 4.125%
HK$21,645
baseline
▲ 0.50% · 4.625%
HK$22,786
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,290/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,151
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,840
−HK$700/mo
Today · 4.125%
HK$23,540
baseline
▲ 0.50% · 4.625%
HK$24,972
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,080/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,642
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,303
−HK$671/mo
Today · 4.125%
HK$25,974
baseline
▲ 0.50% · 4.625%
HK$27,343
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,948/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,842
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,646
−HK$817/mo
Today · 4.125%
HK$27,463
baseline
▲ 0.50% · 4.625%
HK$29,134
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,926/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,749
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,520
−HK$783/mo
Today · 4.125%
HK$30,303
baseline
▲ 0.50% · 4.625%
HK$31,900
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,606/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,226
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,259
−HK$1,050/mo
Today · 4.125%
HK$35,309
baseline
▲ 0.50% · 4.625%
HK$37,458
+HK$2,149/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,618/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,963
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,955
−HK$1,005/mo
Today · 4.125%
HK$38,960
baseline
▲ 0.50% · 4.625%
HK$41,014
+HK$2,054/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,920/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,852 · 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).