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$18,402
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,974
−HK$581/mo
Today · 4.125%
HK$19,555
baseline
▲ 0.50% · 4.625%
HK$20,745
+HK$1,190/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,110/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,472
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,021
−HK$557/mo
Today · 4.125%
HK$21,578
baseline
▲ 0.50% · 4.625%
HK$22,715
+HK$1,137/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,156/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,082
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,769
−HK$698/mo
Today · 4.125%
HK$23,467
baseline
▲ 0.50% · 4.625%
HK$24,894
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,934/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,566
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,225
−HK$668/mo
Today · 4.125%
HK$25,893
baseline
▲ 0.50% · 4.625%
HK$27,258
+HK$1,365/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,786/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,762
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,563
−HK$815/mo
Today · 4.125%
HK$27,378
baseline
▲ 0.50% · 4.625%
HK$29,044
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,756/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,660
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,429
−HK$780/mo
Today · 4.125%
HK$30,209
baseline
▲ 0.50% · 4.625%
HK$31,801
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,418/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,123
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,153
−HK$1,047/mo
Today · 4.125%
HK$35,200
baseline
▲ 0.50% · 4.625%
HK$37,342
+HK$2,142/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,400/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,849
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,837
−HK$1,003/mo
Today · 4.125%
HK$38,840
baseline
▲ 0.50% · 4.625%
HK$40,887
+HK$2,047/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,680/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,099 · 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).