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$18,433
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,006
−HK$583/mo
Today · 4.125%
HK$19,589
baseline
▲ 0.50% · 4.625%
HK$20,781
+HK$1,192/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,178/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,507
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,057
−HK$557/mo
Today · 4.125%
HK$21,614
baseline
▲ 0.50% · 4.625%
HK$22,754
+HK$1,140/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,228/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,120
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,808
−HK$699/mo
Today · 4.125%
HK$23,507
baseline
▲ 0.50% · 4.625%
HK$24,937
+HK$1,430/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$47,014/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,608
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,268
−HK$669/mo
Today · 4.125%
HK$25,937
baseline
▲ 0.50% · 4.625%
HK$27,305
+HK$1,368/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,874/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,806
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,609
−HK$816/mo
Today · 4.125%
HK$27,425
baseline
▲ 0.50% · 4.625%
HK$29,093
+HK$1,668/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,850/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,709
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,479
−HK$781/mo
Today · 4.125%
HK$30,260
baseline
▲ 0.50% · 4.625%
HK$31,855
+HK$1,595/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,520/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,179
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,212
−HK$1,048/mo
Today · 4.125%
HK$35,260
baseline
▲ 0.50% · 4.625%
HK$37,406
+HK$2,146/mo
Deposit HK$808K · loan HK$7.28M · min. income ≈ HK$70,520/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,912
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,902
−HK$1,004/mo
Today · 4.125%
HK$38,906
baseline
▲ 0.50% · 4.625%
HK$40,957
+HK$2,051/mo
Deposit HK$808K · loan HK$7.28M · min. income ≈ HK$77,812/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,513 · 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).