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$18,479
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,054
−HK$584/mo
Today · 4.125%
HK$19,638
baseline
▲ 0.50% · 4.625%
HK$20,833
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,276/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,558
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,109
−HK$560/mo
Today · 4.125%
HK$21,669
baseline
▲ 0.50% · 4.625%
HK$22,811
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,338/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,175
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,865
−HK$701/mo
Today · 4.125%
HK$23,566
baseline
▲ 0.50% · 4.625%
HK$25,000
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,132/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,670
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,331
−HK$672/mo
Today · 4.125%
HK$26,003
baseline
▲ 0.50% · 4.625%
HK$27,373
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,006/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,871
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,676
−HK$817/mo
Today · 4.125%
HK$27,493
baseline
▲ 0.50% · 4.625%
HK$29,166
+HK$1,673/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,986/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,781
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,553
−HK$783/mo
Today · 4.125%
HK$30,336
baseline
▲ 0.50% · 4.625%
HK$31,935
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,672/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,263
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,297
−HK$1,052/mo
Today · 4.125%
HK$35,349
baseline
▲ 0.50% · 4.625%
HK$37,500
+HK$2,151/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,698/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,005
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,997
−HK$1,007/mo
Today · 4.125%
HK$39,004
baseline
▲ 0.50% · 4.625%
HK$41,060
+HK$2,056/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$78,008/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,122 · 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).