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$18,492
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,067
−HK$584/mo
Today · 4.125%
HK$19,651
baseline
▲ 0.50% · 4.625%
HK$20,847
+HK$1,196/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,302/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,572
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,124
−HK$559/mo
Today · 4.125%
HK$21,683
baseline
▲ 0.50% · 4.625%
HK$22,826
+HK$1,143/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,366/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,190
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,880
−HK$702/mo
Today · 4.125%
HK$23,582
baseline
▲ 0.50% · 4.625%
HK$25,017
+HK$1,435/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$47,164/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,686
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,348
−HK$672/mo
Today · 4.125%
HK$26,020
baseline
▲ 0.50% · 4.625%
HK$27,392
+HK$1,372/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$52,040/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,888
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,694
−HK$818/mo
Today · 4.125%
HK$27,512
baseline
▲ 0.50% · 4.625%
HK$29,186
+HK$1,674/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,024/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,801
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,573
−HK$784/mo
Today · 4.125%
HK$30,357
baseline
▲ 0.50% · 4.625%
HK$31,957
+HK$1,600/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,714/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,285
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,321
−HK$1,051/mo
Today · 4.125%
HK$35,372
baseline
▲ 0.50% · 4.625%
HK$37,525
+HK$2,153/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,744/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,029
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,023
−HK$1,007/mo
Today · 4.125%
HK$39,030
baseline
▲ 0.50% · 4.625%
HK$41,087
+HK$2,057/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,060/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,286 · 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).