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$18,413
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,986
−HK$582/mo
Today · 4.125%
HK$19,568
baseline
▲ 0.50% · 4.625%
HK$20,759
+HK$1,191/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,136/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,485
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,034
−HK$557/mo
Today · 4.125%
HK$21,591
baseline
▲ 0.50% · 4.625%
HK$22,730
+HK$1,139/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,182/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,096
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,783
−HK$699/mo
Today · 4.125%
HK$23,482
baseline
▲ 0.50% · 4.625%
HK$24,911
+HK$1,429/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$46,964/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,582
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,241
−HK$669/mo
Today · 4.125%
HK$25,910
baseline
▲ 0.50% · 4.625%
HK$27,276
+HK$1,366/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,820/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,779
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,581
−HK$814/mo
Today · 4.125%
HK$27,395
baseline
▲ 0.50% · 4.625%
HK$29,062
+HK$1,667/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,790/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,679
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,448
−HK$780/mo
Today · 4.125%
HK$30,228
baseline
▲ 0.50% · 4.625%
HK$31,821
+HK$1,593/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,456/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,144
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,175
−HK$1,048/mo
Today · 4.125%
HK$35,223
baseline
▲ 0.50% · 4.625%
HK$37,366
+HK$2,143/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,446/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,873
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,861
−HK$1,004/mo
Today · 4.125%
HK$38,865
baseline
▲ 0.50% · 4.625%
HK$40,913
+HK$2,048/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,730/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,255 · 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).