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$18,470
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,044
−HK$584/mo
Today · 4.125%
HK$19,628
baseline
▲ 0.50% · 4.625%
HK$20,822
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,256/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,547
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,098
−HK$559/mo
Today · 4.125%
HK$21,657
baseline
▲ 0.50% · 4.625%
HK$22,799
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,314/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,164
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,853
−HK$700/mo
Today · 4.125%
HK$23,553
baseline
▲ 0.50% · 4.625%
HK$24,987
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,106/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,657
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,318
−HK$671/mo
Today · 4.125%
HK$25,989
baseline
▲ 0.50% · 4.625%
HK$27,359
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,978/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,857
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,662
−HK$817/mo
Today · 4.125%
HK$27,479
baseline
▲ 0.50% · 4.625%
HK$29,151
+HK$1,672/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,958/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,766
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,538
−HK$782/mo
Today · 4.125%
HK$30,320
baseline
▲ 0.50% · 4.625%
HK$31,919
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,640/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,245
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,279
−HK$1,051/mo
Today · 4.125%
HK$35,330
baseline
▲ 0.50% · 4.625%
HK$37,480
+HK$2,150/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,660/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,985
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,977
−HK$1,006/mo
Today · 4.125%
HK$38,983
baseline
▲ 0.50% · 4.625%
HK$41,038
+HK$2,055/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,966/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,994 · 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).