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$18,426
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,999
−HK$582/mo
Today · 4.125%
HK$19,581
baseline
▲ 0.50% · 4.625%
HK$20,773
+HK$1,192/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,162/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,498
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,048
−HK$558/mo
Today · 4.125%
HK$21,606
baseline
▲ 0.50% · 4.625%
HK$22,745
+HK$1,139/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,212/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,111
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,799
−HK$698/mo
Today · 4.125%
HK$23,497
baseline
▲ 0.50% · 4.625%
HK$24,927
+HK$1,430/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$46,994/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,598
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,258
−HK$669/mo
Today · 4.125%
HK$25,927
baseline
▲ 0.50% · 4.625%
HK$27,294
+HK$1,367/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,854/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,796
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,598
−HK$816/mo
Today · 4.125%
HK$27,414
baseline
▲ 0.50% · 4.625%
HK$29,082
+HK$1,668/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$54,828/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,698
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,467
−HK$781/mo
Today · 4.125%
HK$30,248
baseline
▲ 0.50% · 4.625%
HK$31,843
+HK$1,595/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$60,496/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,166
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,198
−HK$1,048/mo
Today · 4.125%
HK$35,246
baseline
▲ 0.50% · 4.625%
HK$37,391
+HK$2,145/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,492/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,897
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,887
−HK$1,003/mo
Today · 4.125%
HK$38,890
baseline
▲ 0.50% · 4.625%
HK$40,940
+HK$2,050/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,780/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,416 · 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).