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$18,427
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$19,000
−HK$582/mo
Today · 4.125%
HK$19,582
baseline
▲ 0.50% · 4.625%
HK$20,774
+HK$1,192/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,164/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,500
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,049
−HK$558/mo
Today · 4.125%
HK$21,607
baseline
▲ 0.50% · 4.625%
HK$22,746
+HK$1,139/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,214/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,112
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,800
−HK$699/mo
Today · 4.125%
HK$23,499
baseline
▲ 0.50% · 4.625%
HK$24,929
+HK$1,430/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$46,998/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,599
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,259
−HK$670/mo
Today · 4.125%
HK$25,929
baseline
▲ 0.50% · 4.625%
HK$27,295
+HK$1,366/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,858/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,797
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,600
−HK$815/mo
Today · 4.125%
HK$27,415
baseline
▲ 0.50% · 4.625%
HK$29,083
+HK$1,668/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$54,830/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,699
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,469
−HK$781/mo
Today · 4.125%
HK$30,250
baseline
▲ 0.50% · 4.625%
HK$31,844
+HK$1,594/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$60,500/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,168
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,200
−HK$1,048/mo
Today · 4.125%
HK$35,248
baseline
▲ 0.50% · 4.625%
HK$37,393
+HK$2,145/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,496/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,899
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,889
−HK$1,004/mo
Today · 4.125%
HK$38,893
baseline
▲ 0.50% · 4.625%
HK$40,943
+HK$2,050/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,786/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,430 · 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).