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$18,467
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,042
−HK$583/mo
Today · 4.125%
HK$19,625
baseline
▲ 0.50% · 4.625%
HK$20,820
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,250/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,545
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,096
−HK$559/mo
Today · 4.125%
HK$21,655
baseline
▲ 0.50% · 4.625%
HK$22,796
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,310/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,161
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,850
−HK$701/mo
Today · 4.125%
HK$23,551
baseline
▲ 0.50% · 4.625%
HK$24,984
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,102/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,654
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,315
−HK$671/mo
Today · 4.125%
HK$25,986
baseline
▲ 0.50% · 4.625%
HK$27,355
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,972/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,854
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,659
−HK$817/mo
Today · 4.125%
HK$27,476
baseline
▲ 0.50% · 4.625%
HK$29,147
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,952/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,763
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,534
−HK$783/mo
Today · 4.125%
HK$30,317
baseline
▲ 0.50% · 4.625%
HK$31,915
+HK$1,598/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,634/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,241
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,275
−HK$1,051/mo
Today · 4.125%
HK$35,326
baseline
▲ 0.50% · 4.625%
HK$37,475
+HK$2,149/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,652/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,981
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,972
−HK$1,007/mo
Today · 4.125%
HK$38,979
baseline
▲ 0.50% · 4.625%
HK$41,033
+HK$2,054/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,958/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,965 · 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).