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$18,410
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,983
−HK$582/mo
Today · 4.125%
HK$19,565
baseline
▲ 0.50% · 4.625%
HK$20,755
+HK$1,190/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,130/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,481
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,030
−HK$558/mo
Today · 4.125%
HK$21,588
baseline
▲ 0.50% · 4.625%
HK$22,725
+HK$1,137/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,176/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,092
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,779
−HK$698/mo
Today · 4.125%
HK$23,477
baseline
▲ 0.50% · 4.625%
HK$24,906
+HK$1,429/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,954/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,577
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,236
−HK$669/mo
Today · 4.125%
HK$25,905
baseline
▲ 0.50% · 4.625%
HK$27,271
+HK$1,366/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,810/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,774
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,576
−HK$814/mo
Today · 4.125%
HK$27,390
baseline
▲ 0.50% · 4.625%
HK$29,057
+HK$1,667/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,780/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,673
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,442
−HK$781/mo
Today · 4.125%
HK$30,223
baseline
▲ 0.50% · 4.625%
HK$31,816
+HK$1,593/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,446/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,138
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,169
−HK$1,047/mo
Today · 4.125%
HK$35,216
baseline
▲ 0.50% · 4.625%
HK$37,359
+HK$2,143/mo
Deposit HK$807K · loan HK$7.27M · min. income ≈ HK$70,432/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,866
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,855
−HK$1,003/mo
Today · 4.125%
HK$38,858
baseline
▲ 0.50% · 4.625%
HK$40,906
+HK$2,048/mo
Deposit HK$807K · loan HK$7.27M · min. income ≈ HK$77,716/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,211 · 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).