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$18,463
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,037
−HK$583/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$242,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,539
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,090
−HK$559/mo
Today · 4.125%
HK$21,649
baseline
▲ 0.50% · 4.625%
HK$22,790
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,298/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,155
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,844
−HK$700/mo
Today · 4.125%
HK$23,544
baseline
▲ 0.50% · 4.625%
HK$24,977
+HK$1,433/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$242,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,647
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,308
−HK$671/mo
Today · 4.125%
HK$25,979
baseline
▲ 0.50% · 4.625%
HK$27,348
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,958/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,848
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,652
−HK$817/mo
Today · 4.125%
HK$27,469
baseline
▲ 0.50% · 4.625%
HK$29,140
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,938/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,755
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,526
−HK$783/mo
Today · 4.125%
HK$30,309
baseline
▲ 0.50% · 4.625%
HK$31,906
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,618/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,233
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,266
−HK$1,051/mo
Today · 4.125%
HK$35,317
baseline
▲ 0.50% · 4.625%
HK$37,466
+HK$2,149/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,634/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,971
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,963
−HK$1,005/mo
Today · 4.125%
HK$38,968
baseline
▲ 0.50% · 4.625%
HK$41,023
+HK$2,055/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,936/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,902 · 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).