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$18,547
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,124
−HK$586/mo
Today · 4.125%
HK$19,710
baseline
▲ 0.50% · 4.625%
HK$20,909
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,420/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,633
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,186
−HK$562/mo
Today · 4.125%
HK$21,748
baseline
▲ 0.50% · 4.625%
HK$22,894
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,496/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,256
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,948
−HK$704/mo
Today · 4.125%
HK$23,652
baseline
▲ 0.50% · 4.625%
HK$25,091
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,304/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,760
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,424
−HK$673/mo
Today · 4.125%
HK$26,097
baseline
▲ 0.50% · 4.625%
HK$27,473
+HK$1,376/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,194/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,965
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,773
−HK$821/mo
Today · 4.125%
HK$27,594
baseline
▲ 0.50% · 4.625%
HK$29,273
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,188/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,886
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,661
−HK$786/mo
Today · 4.125%
HK$30,447
baseline
▲ 0.50% · 4.625%
HK$32,052
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,894/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,384
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,423
−HK$1,055/mo
Today · 4.125%
HK$35,478
baseline
▲ 0.50% · 4.625%
HK$37,636
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,956/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,139
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,136
−HK$1,010/mo
Today · 4.125%
HK$39,146
baseline
▲ 0.50% · 4.625%
HK$41,209
+HK$2,063/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,292/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,009 · 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).