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$18,456
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,030
−HK$583/mo
Today · 4.125%
HK$19,613
baseline
▲ 0.50% · 4.625%
HK$20,807
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,226/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,532
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,083
−HK$558/mo
Today · 4.125%
HK$21,641
baseline
▲ 0.50% · 4.625%
HK$22,782
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,282/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,147
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,836
−HK$700/mo
Today · 4.125%
HK$23,536
baseline
▲ 0.50% · 4.625%
HK$24,968
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,072/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,638
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,299
−HK$670/mo
Today · 4.125%
HK$25,969
baseline
▲ 0.50% · 4.625%
HK$27,338
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,938/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,838
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,642
−HK$816/mo
Today · 4.125%
HK$27,458
baseline
▲ 0.50% · 4.625%
HK$29,129
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,916/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,745
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,516
−HK$782/mo
Today · 4.125%
HK$30,298
baseline
▲ 0.50% · 4.625%
HK$31,895
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,596/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,220
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,254
−HK$1,050/mo
Today · 4.125%
HK$35,304
baseline
▲ 0.50% · 4.625%
HK$37,452
+HK$2,148/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,608/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,957
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,949
−HK$1,005/mo
Today · 4.125%
HK$38,954
baseline
▲ 0.50% · 4.625%
HK$41,007
+HK$2,053/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,908/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,813 · 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).