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$18,560
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,137
−HK$587/mo
Today · 4.125%
HK$19,724
baseline
▲ 0.50% · 4.625%
HK$20,924
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,448/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,648
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,201
−HK$562/mo
Today · 4.125%
HK$21,763
baseline
▲ 0.50% · 4.625%
HK$22,910
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,526/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,272
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,964
−HK$704/mo
Today · 4.125%
HK$23,668
baseline
▲ 0.50% · 4.625%
HK$25,108
+HK$1,440/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$47,336/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,777
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,442
−HK$674/mo
Today · 4.125%
HK$26,116
baseline
▲ 0.50% · 4.625%
HK$27,492
+HK$1,376/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$52,232/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,984
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,792
−HK$821/mo
Today · 4.125%
HK$27,613
baseline
▲ 0.50% · 4.625%
HK$29,293
+HK$1,680/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,226/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,907
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,682
−HK$786/mo
Today · 4.125%
HK$30,468
baseline
▲ 0.50% · 4.625%
HK$32,074
+HK$1,606/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,936/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,408
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,447
−HK$1,055/mo
Today · 4.125%
HK$35,502
baseline
▲ 0.50% · 4.625%
HK$37,663
+HK$2,161/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,004/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,166
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,162
−HK$1,012/mo
Today · 4.125%
HK$39,174
baseline
▲ 0.50% · 4.625%
HK$41,238
+HK$2,064/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,348/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,180 · 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).