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$18,446
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,020
−HK$583/mo
Today · 4.125%
HK$19,603
baseline
▲ 0.50% · 4.625%
HK$20,796
+HK$1,193/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,206/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,521
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,072
−HK$558/mo
Today · 4.125%
HK$21,630
baseline
▲ 0.50% · 4.625%
HK$22,770
+HK$1,140/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,260/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,136
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,824
−HK$700/mo
Today · 4.125%
HK$23,524
baseline
▲ 0.50% · 4.625%
HK$24,955
+HK$1,431/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$47,048/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,626
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,286
−HK$670/mo
Today · 4.125%
HK$25,956
baseline
▲ 0.50% · 4.625%
HK$27,324
+HK$1,368/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$51,912/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,825
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,628
−HK$816/mo
Today · 4.125%
HK$27,444
baseline
▲ 0.50% · 4.625%
HK$29,114
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,888/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,730
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,500
−HK$782/mo
Today · 4.125%
HK$30,282
baseline
▲ 0.50% · 4.625%
HK$31,878
+HK$1,596/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,564/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,203
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,236
−HK$1,050/mo
Today · 4.125%
HK$35,286
baseline
▲ 0.50% · 4.625%
HK$37,433
+HK$2,147/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,572/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,939
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,929
−HK$1,005/mo
Today · 4.125%
HK$38,934
baseline
▲ 0.50% · 4.625%
HK$40,986
+HK$2,052/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,868/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,689 · 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).