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$18,487
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,062
−HK$585/mo
Today · 4.125%
HK$19,647
baseline
▲ 0.50% · 4.625%
HK$20,842
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,294/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,567
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,119
−HK$559/mo
Today · 4.125%
HK$21,678
baseline
▲ 0.50% · 4.625%
HK$22,821
+HK$1,143/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,356/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,185
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,875
−HK$701/mo
Today · 4.125%
HK$23,576
baseline
▲ 0.50% · 4.625%
HK$25,011
+HK$1,435/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,152/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,680
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,342
−HK$672/mo
Today · 4.125%
HK$26,014
baseline
▲ 0.50% · 4.625%
HK$27,385
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,028/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,882
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,687
−HK$818/mo
Today · 4.125%
HK$27,505
baseline
▲ 0.50% · 4.625%
HK$29,179
+HK$1,674/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,010/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,794
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,566
−HK$783/mo
Today · 4.125%
HK$30,349
baseline
▲ 0.50% · 4.625%
HK$31,949
+HK$1,600/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,698/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,277
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,312
−HK$1,052/mo
Today · 4.125%
HK$35,364
baseline
▲ 0.50% · 4.625%
HK$37,516
+HK$2,152/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,728/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,021
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,013
−HK$1,008/mo
Today · 4.125%
HK$39,021
baseline
▲ 0.50% · 4.625%
HK$41,078
+HK$2,057/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,042/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,228 · 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).