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$18,475
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,050
−HK$584/mo
Today · 4.125%
HK$19,634
baseline
▲ 0.50% · 4.625%
HK$20,829
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,268/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,554
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,105
−HK$559/mo
Today · 4.125%
HK$21,664
baseline
▲ 0.50% · 4.625%
HK$22,806
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,328/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,170
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,860
−HK$701/mo
Today · 4.125%
HK$23,561
baseline
▲ 0.50% · 4.625%
HK$24,994
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,122/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,664
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,326
−HK$671/mo
Today · 4.125%
HK$25,997
baseline
▲ 0.50% · 4.625%
HK$27,367
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,994/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,865
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,670
−HK$817/mo
Today · 4.125%
HK$27,487
baseline
▲ 0.50% · 4.625%
HK$29,160
+HK$1,673/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,974/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,775
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,547
−HK$783/mo
Today · 4.125%
HK$30,330
baseline
▲ 0.50% · 4.625%
HK$31,928
+HK$1,598/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,660/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,256
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,290
−HK$1,051/mo
Today · 4.125%
HK$35,341
baseline
▲ 0.50% · 4.625%
HK$37,491
+HK$2,150/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,682/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,996
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,989
−HK$1,006/mo
Today · 4.125%
HK$38,995
baseline
▲ 0.50% · 4.625%
HK$41,051
+HK$2,056/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,990/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,069 · 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).