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$18,420
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,993
−HK$582/mo
Today · 4.125%
HK$19,575
baseline
▲ 0.50% · 4.625%
HK$20,766
+HK$1,191/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,150/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,492
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,042
−HK$557/mo
Today · 4.125%
HK$21,599
baseline
▲ 0.50% · 4.625%
HK$22,738
+HK$1,139/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,198/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,104
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,792
−HK$698/mo
Today · 4.125%
HK$23,490
baseline
▲ 0.50% · 4.625%
HK$24,919
+HK$1,429/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$46,980/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,590
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,250
−HK$669/mo
Today · 4.125%
HK$25,919
baseline
▲ 0.50% · 4.625%
HK$27,285
+HK$1,366/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,838/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,788
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,590
−HK$815/mo
Today · 4.125%
HK$27,405
baseline
▲ 0.50% · 4.625%
HK$29,073
+HK$1,668/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,810/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,689
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,458
−HK$781/mo
Today · 4.125%
HK$30,239
baseline
▲ 0.50% · 4.625%
HK$31,833
+HK$1,594/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,478/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,156
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,187
−HK$1,048/mo
Today · 4.125%
HK$35,235
baseline
▲ 0.50% · 4.625%
HK$37,379
+HK$2,144/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,470/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,886
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,875
−HK$1,004/mo
Today · 4.125%
HK$38,879
baseline
▲ 0.50% · 4.625%
HK$40,928
+HK$2,049/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,758/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,342 · 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).