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$18,429
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,002
−HK$583/mo
Today · 4.125%
HK$19,585
baseline
▲ 0.50% · 4.625%
HK$20,776
+HK$1,191/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,170/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,502
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,052
−HK$558/mo
Today · 4.125%
HK$21,610
baseline
▲ 0.50% · 4.625%
HK$22,749
+HK$1,139/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,220/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,115
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,803
−HK$698/mo
Today · 4.125%
HK$23,501
baseline
▲ 0.50% · 4.625%
HK$24,932
+HK$1,431/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$47,002/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,602
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,262
−HK$670/mo
Today · 4.125%
HK$25,932
baseline
▲ 0.50% · 4.625%
HK$27,298
+HK$1,366/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,864/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,800
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,603
−HK$815/mo
Today · 4.125%
HK$27,418
baseline
▲ 0.50% · 4.625%
HK$29,087
+HK$1,669/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$54,836/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,703
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,473
−HK$781/mo
Today · 4.125%
HK$30,254
baseline
▲ 0.50% · 4.625%
HK$31,848
+HK$1,594/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$60,508/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,172
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,204
−HK$1,048/mo
Today · 4.125%
HK$35,252
baseline
▲ 0.50% · 4.625%
HK$37,397
+HK$2,145/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,504/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,904
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,893
−HK$1,004/mo
Today · 4.125%
HK$38,897
baseline
▲ 0.50% · 4.625%
HK$40,948
+HK$2,051/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,794/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,459 · 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).