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$18,404
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,976
−HK$582/mo
Today · 4.125%
HK$19,558
baseline
▲ 0.50% · 4.625%
HK$20,748
+HK$1,190/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,116/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,474
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,023
−HK$557/mo
Today · 4.125%
HK$21,580
baseline
▲ 0.50% · 4.625%
HK$22,717
+HK$1,137/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,160/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,084
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,771
−HK$698/mo
Today · 4.125%
HK$23,469
baseline
▲ 0.50% · 4.625%
HK$24,897
+HK$1,428/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,938/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,569
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,228
−HK$668/mo
Today · 4.125%
HK$25,896
baseline
▲ 0.50% · 4.625%
HK$27,261
+HK$1,365/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,792/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,765
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,567
−HK$814/mo
Today · 4.125%
HK$27,381
baseline
▲ 0.50% · 4.625%
HK$29,047
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,762/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,663
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,432
−HK$780/mo
Today · 4.125%
HK$30,212
baseline
▲ 0.50% · 4.625%
HK$31,804
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,424/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,127
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,157
−HK$1,047/mo
Today · 4.125%
HK$35,204
baseline
▲ 0.50% · 4.625%
HK$37,346
+HK$2,142/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,408/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,853
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,841
−HK$1,003/mo
Today · 4.125%
HK$38,844
baseline
▲ 0.50% · 4.625%
HK$40,891
+HK$2,047/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,688/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,126 · 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).