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$18,422
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,995
−HK$582/mo
Today · 4.125%
HK$19,577
baseline
▲ 0.50% · 4.625%
HK$20,769
+HK$1,192/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,154/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,494
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,044
−HK$558/mo
Today · 4.125%
HK$21,602
baseline
▲ 0.50% · 4.625%
HK$22,740
+HK$1,138/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,204/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,107
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,794
−HK$699/mo
Today · 4.125%
HK$23,493
baseline
▲ 0.50% · 4.625%
HK$24,922
+HK$1,429/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$46,986/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,593
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,253
−HK$669/mo
Today · 4.125%
HK$25,922
baseline
▲ 0.50% · 4.625%
HK$27,288
+HK$1,366/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,844/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,791
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,593
−HK$815/mo
Today · 4.125%
HK$27,408
baseline
▲ 0.50% · 4.625%
HK$29,076
+HK$1,668/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$54,816/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,692
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,462
−HK$780/mo
Today · 4.125%
HK$30,242
baseline
▲ 0.50% · 4.625%
HK$31,837
+HK$1,595/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$60,484/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,160
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,191
−HK$1,048/mo
Today · 4.125%
HK$35,239
baseline
▲ 0.50% · 4.625%
HK$37,384
+HK$2,145/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,478/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,890
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,879
−HK$1,004/mo
Today · 4.125%
HK$38,883
baseline
▲ 0.50% · 4.625%
HK$40,933
+HK$2,050/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,766/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,370 · 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).