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$18,603
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,181
−HK$588/mo
Today · 4.125%
HK$19,769
baseline
▲ 0.50% · 4.625%
HK$20,972
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,538/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,695
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,250
−HK$563/mo
Today · 4.125%
HK$21,813
baseline
▲ 0.50% · 4.625%
HK$22,963
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,626/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,323
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,018
−HK$705/mo
Today · 4.125%
HK$23,723
baseline
▲ 0.50% · 4.625%
HK$25,167
+HK$1,444/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,446/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,834
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,500
−HK$676/mo
Today · 4.125%
HK$26,176
baseline
▲ 0.50% · 4.625%
HK$27,556
+HK$1,380/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,352/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,044
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,854
−HK$823/mo
Today · 4.125%
HK$27,677
baseline
▲ 0.50% · 4.625%
HK$29,361
+HK$1,684/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,354/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,973
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,750
−HK$789/mo
Today · 4.125%
HK$30,539
baseline
▲ 0.50% · 4.625%
HK$32,149
+HK$1,610/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,078/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,485
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,526
−HK$1,059/mo
Today · 4.125%
HK$35,585
baseline
▲ 0.50% · 4.625%
HK$37,750
+HK$2,165/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,170/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,252
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,251
−HK$1,013/mo
Today · 4.125%
HK$39,264
baseline
▲ 0.50% · 4.625%
HK$41,334
+HK$2,070/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,528/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,745 · 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).