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$18,423
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,996
−HK$582/mo
Today · 4.125%
HK$19,578
baseline
▲ 0.50% · 4.625%
HK$20,769
+HK$1,191/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,156/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,495
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,045
−HK$557/mo
Today · 4.125%
HK$21,602
baseline
▲ 0.50% · 4.625%
HK$22,741
+HK$1,139/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,204/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,107
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,795
−HK$699/mo
Today · 4.125%
HK$23,494
baseline
▲ 0.50% · 4.625%
HK$24,923
+HK$1,429/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$46,988/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,594
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,254
−HK$669/mo
Today · 4.125%
HK$25,923
baseline
▲ 0.50% · 4.625%
HK$27,289
+HK$1,366/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,846/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,792
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,594
−HK$815/mo
Today · 4.125%
HK$27,409
baseline
▲ 0.50% · 4.625%
HK$29,077
+HK$1,668/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$54,818/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,693
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,463
−HK$780/mo
Today · 4.125%
HK$30,243
baseline
▲ 0.50% · 4.625%
HK$31,837
+HK$1,594/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$60,486/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,161
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,192
−HK$1,048/mo
Today · 4.125%
HK$35,240
baseline
▲ 0.50% · 4.625%
HK$37,385
+HK$2,145/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,480/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,891
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,881
−HK$1,003/mo
Today · 4.125%
HK$38,884
baseline
▲ 0.50% · 4.625%
HK$40,934
+HK$2,050/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,768/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,377 · 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).