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$18,459
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,033
−HK$584/mo
Today · 4.125%
HK$19,617
baseline
▲ 0.50% · 4.625%
HK$20,810
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,234/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,536
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,086
−HK$559/mo
Today · 4.125%
HK$21,645
baseline
▲ 0.50% · 4.625%
HK$22,786
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,290/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,151
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,840
−HK$700/mo
Today · 4.125%
HK$23,540
baseline
▲ 0.50% · 4.625%
HK$24,972
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,080/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,643
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,304
−HK$670/mo
Today · 4.125%
HK$25,974
baseline
▲ 0.50% · 4.625%
HK$27,343
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,948/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,843
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,647
−HK$816/mo
Today · 4.125%
HK$27,463
baseline
▲ 0.50% · 4.625%
HK$29,134
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,926/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,750
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,521
−HK$782/mo
Today · 4.125%
HK$30,303
baseline
▲ 0.50% · 4.625%
HK$31,900
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,606/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,226
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,260
−HK$1,050/mo
Today · 4.125%
HK$35,310
baseline
▲ 0.50% · 4.625%
HK$37,458
+HK$2,148/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,620/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,964
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,955
−HK$1,006/mo
Today · 4.125%
HK$38,961
baseline
▲ 0.50% · 4.625%
HK$41,015
+HK$2,054/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,922/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,856 · 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).