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$18,585
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,163
−HK$588/mo
Today · 4.125%
HK$19,751
baseline
▲ 0.50% · 4.625%
HK$20,952
+HK$1,201/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,502/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,676
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,230
−HK$563/mo
Today · 4.125%
HK$21,793
baseline
▲ 0.50% · 4.625%
HK$22,942
+HK$1,149/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,586/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,302
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,996
−HK$705/mo
Today · 4.125%
HK$23,701
baseline
▲ 0.50% · 4.625%
HK$25,143
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,402/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,811
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,476
−HK$675/mo
Today · 4.125%
HK$26,151
baseline
▲ 0.50% · 4.625%
HK$27,530
+HK$1,379/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,302/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,019
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,829
−HK$822/mo
Today · 4.125%
HK$27,651
baseline
▲ 0.50% · 4.625%
HK$29,333
+HK$1,682/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,302/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,946
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,722
−HK$788/mo
Today · 4.125%
HK$30,510
baseline
▲ 0.50% · 4.625%
HK$32,118
+HK$1,608/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,020/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,453
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,494
−HK$1,057/mo
Today · 4.125%
HK$35,551
baseline
▲ 0.50% · 4.625%
HK$37,714
+HK$2,163/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$71,102/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,216
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,215
−HK$1,012/mo
Today · 4.125%
HK$39,227
baseline
▲ 0.50% · 4.625%
HK$41,295
+HK$2,068/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$78,454/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,514 · 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).