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$18,491
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,066
−HK$584/mo
Today · 4.125%
HK$19,650
baseline
▲ 0.50% · 4.625%
HK$20,846
+HK$1,196/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,300/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,571
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,123
−HK$559/mo
Today · 4.125%
HK$21,682
baseline
▲ 0.50% · 4.625%
HK$22,825
+HK$1,143/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,364/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,189
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,879
−HK$702/mo
Today · 4.125%
HK$23,581
baseline
▲ 0.50% · 4.625%
HK$25,015
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$47,162/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,685
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,347
−HK$672/mo
Today · 4.125%
HK$26,019
baseline
▲ 0.50% · 4.625%
HK$27,390
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$52,038/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,887
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,692
−HK$819/mo
Today · 4.125%
HK$27,511
baseline
▲ 0.50% · 4.625%
HK$29,185
+HK$1,674/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,022/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,799
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,572
−HK$783/mo
Today · 4.125%
HK$30,355
baseline
▲ 0.50% · 4.625%
HK$31,955
+HK$1,600/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,710/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,284
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,319
−HK$1,052/mo
Today · 4.125%
HK$35,371
baseline
▲ 0.50% · 4.625%
HK$37,523
+HK$2,152/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,742/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,028
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,021
−HK$1,007/mo
Today · 4.125%
HK$39,028
baseline
▲ 0.50% · 4.625%
HK$41,085
+HK$2,057/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,056/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,274 · 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).