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$18,462
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,036
−HK$584/mo
Today · 4.125%
HK$19,620
baseline
▲ 0.50% · 4.625%
HK$20,814
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,240/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,539
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,090
−HK$558/mo
Today · 4.125%
HK$21,648
baseline
▲ 0.50% · 4.625%
HK$22,790
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,296/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,154
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,844
−HK$700/mo
Today · 4.125%
HK$23,544
baseline
▲ 0.50% · 4.625%
HK$24,976
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,088/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,647
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,308
−HK$670/mo
Today · 4.125%
HK$25,978
baseline
▲ 0.50% · 4.625%
HK$27,348
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,956/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,847
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,651
−HK$817/mo
Today · 4.125%
HK$27,468
baseline
▲ 0.50% · 4.625%
HK$29,139
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,936/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,754
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,526
−HK$782/mo
Today · 4.125%
HK$30,308
baseline
▲ 0.50% · 4.625%
HK$31,905
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,616/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,232
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,265
−HK$1,051/mo
Today · 4.125%
HK$35,316
baseline
▲ 0.50% · 4.625%
HK$37,464
+HK$2,148/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,632/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,970
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,961
−HK$1,006/mo
Today · 4.125%
HK$38,967
baseline
▲ 0.50% · 4.625%
HK$41,021
+HK$2,054/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,934/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,895 · 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).