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$18,476
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,051
−HK$584/mo
Today · 4.125%
HK$19,635
baseline
▲ 0.50% · 4.625%
HK$20,829
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,270/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,554
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,106
−HK$559/mo
Today · 4.125%
HK$21,665
baseline
▲ 0.50% · 4.625%
HK$22,807
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,330/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,171
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,861
−HK$701/mo
Today · 4.125%
HK$23,562
baseline
▲ 0.50% · 4.625%
HK$24,995
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,124/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,665
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,327
−HK$671/mo
Today · 4.125%
HK$25,998
baseline
▲ 0.50% · 4.625%
HK$27,368
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,996/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,867
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,671
−HK$818/mo
Today · 4.125%
HK$27,489
baseline
▲ 0.50% · 4.625%
HK$29,161
+HK$1,672/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,978/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,776
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,548
−HK$783/mo
Today · 4.125%
HK$30,331
baseline
▲ 0.50% · 4.625%
HK$31,930
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,662/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,257
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,291
−HK$1,051/mo
Today · 4.125%
HK$35,342
baseline
▲ 0.50% · 4.625%
HK$37,493
+HK$2,151/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,684/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,998
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,990
−HK$1,007/mo
Today · 4.125%
HK$38,997
baseline
▲ 0.50% · 4.625%
HK$41,053
+HK$2,056/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,994/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,080 · 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).