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$18,395
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,968
−HK$581/mo
Today · 4.125%
HK$19,549
baseline
▲ 0.50% · 4.625%
HK$20,738
+HK$1,189/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,098/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,465
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,014
−HK$556/mo
Today · 4.125%
HK$21,570
baseline
▲ 0.50% · 4.625%
HK$22,707
+HK$1,137/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,140/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,074
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,761
−HK$698/mo
Today · 4.125%
HK$23,459
baseline
▲ 0.50% · 4.625%
HK$24,886
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,918/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,558
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,216
−HK$668/mo
Today · 4.125%
HK$25,884
baseline
▲ 0.50% · 4.625%
HK$27,249
+HK$1,365/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,768/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,754
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,555
−HK$813/mo
Today · 4.125%
HK$27,368
baseline
▲ 0.50% · 4.625%
HK$29,034
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,736/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,651
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,419
−HK$779/mo
Today · 4.125%
HK$30,198
baseline
▲ 0.50% · 4.625%
HK$31,790
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,396/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,112
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,142
−HK$1,046/mo
Today · 4.125%
HK$35,188
baseline
▲ 0.50% · 4.625%
HK$37,329
+HK$2,141/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,376/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,836
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,824
−HK$1,003/mo
Today · 4.125%
HK$38,827
baseline
▲ 0.50% · 4.625%
HK$40,873
+HK$2,046/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,654/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,018 · 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).