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$18,609
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,187
−HK$588/mo
Today · 4.125%
HK$19,775
baseline
▲ 0.50% · 4.625%
HK$20,979
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,550/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,702
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,257
−HK$563/mo
Today · 4.125%
HK$21,820
baseline
▲ 0.50% · 4.625%
HK$22,970
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,640/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,330
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,025
−HK$706/mo
Today · 4.125%
HK$23,731
baseline
▲ 0.50% · 4.625%
HK$25,175
+HK$1,444/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$47,462/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,842
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,508
−HK$676/mo
Today · 4.125%
HK$26,184
baseline
▲ 0.50% · 4.625%
HK$27,565
+HK$1,381/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$52,368/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,052
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,862
−HK$824/mo
Today · 4.125%
HK$27,686
baseline
▲ 0.50% · 4.625%
HK$29,370
+HK$1,684/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,372/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,983
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,760
−HK$788/mo
Today · 4.125%
HK$30,548
baseline
▲ 0.50% · 4.625%
HK$32,159
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,096/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,495
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,537
−HK$1,059/mo
Today · 4.125%
HK$35,596
baseline
▲ 0.50% · 4.625%
HK$37,762
+HK$2,166/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,192/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,263
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,263
−HK$1,014/mo
Today · 4.125%
HK$39,277
baseline
▲ 0.50% · 4.625%
HK$41,347
+HK$2,070/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,554/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,822 · 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).