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$18,433
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,007
−HK$582/mo
Today · 4.125%
HK$19,589
baseline
▲ 0.50% · 4.625%
HK$20,781
+HK$1,192/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,178/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,507
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,057
−HK$558/mo
Today · 4.125%
HK$21,615
baseline
▲ 0.50% · 4.625%
HK$22,754
+HK$1,139/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,230/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,120
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,808
−HK$699/mo
Today · 4.125%
HK$23,507
baseline
▲ 0.50% · 4.625%
HK$24,938
+HK$1,431/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$47,014/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,608
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,268
−HK$670/mo
Today · 4.125%
HK$25,938
baseline
▲ 0.50% · 4.625%
HK$27,305
+HK$1,367/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,876/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,807
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,609
−HK$816/mo
Today · 4.125%
HK$27,425
baseline
▲ 0.50% · 4.625%
HK$29,094
+HK$1,669/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,850/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,710
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,480
−HK$781/mo
Today · 4.125%
HK$30,261
baseline
▲ 0.50% · 4.625%
HK$31,856
+HK$1,595/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,522/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,180
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,212
−HK$1,049/mo
Today · 4.125%
HK$35,261
baseline
▲ 0.50% · 4.625%
HK$37,406
+HK$2,145/mo
Deposit HK$808K · loan HK$7.28M · min. income ≈ HK$70,522/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,913
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,902
−HK$1,005/mo
Today · 4.125%
HK$38,907
baseline
▲ 0.50% · 4.625%
HK$40,958
+HK$2,051/mo
Deposit HK$808K · loan HK$7.28M · min. income ≈ HK$77,814/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,518 · 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).