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$18,449
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,022
−HK$583/mo
Today · 4.125%
HK$19,605
baseline
▲ 0.50% · 4.625%
HK$20,798
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,210/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,524
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,074
−HK$559/mo
Today · 4.125%
HK$21,633
baseline
▲ 0.50% · 4.625%
HK$22,773
+HK$1,140/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,266/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,138
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,827
−HK$700/mo
Today · 4.125%
HK$23,527
baseline
▲ 0.50% · 4.625%
HK$24,958
+HK$1,431/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$47,054/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,629
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,289
−HK$670/mo
Today · 4.125%
HK$25,959
baseline
▲ 0.50% · 4.625%
HK$27,328
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$51,918/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,828
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,631
−HK$817/mo
Today · 4.125%
HK$27,448
baseline
▲ 0.50% · 4.625%
HK$29,118
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,896/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,733
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,504
−HK$782/mo
Today · 4.125%
HK$30,286
baseline
▲ 0.50% · 4.625%
HK$31,882
+HK$1,596/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,572/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,207
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,240
−HK$1,050/mo
Today · 4.125%
HK$35,290
baseline
▲ 0.50% · 4.625%
HK$37,437
+HK$2,147/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,580/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,943
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,934
−HK$1,005/mo
Today · 4.125%
HK$38,939
baseline
▲ 0.50% · 4.625%
HK$40,991
+HK$2,052/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,878/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,718 · 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).