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$18,511
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,087
−HK$585/mo
Today · 4.125%
HK$19,672
baseline
▲ 0.50% · 4.625%
HK$20,869
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,344/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,594
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,146
−HK$560/mo
Today · 4.125%
HK$21,706
baseline
▲ 0.50% · 4.625%
HK$22,851
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,412/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,214
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,905
−HK$702/mo
Today · 4.125%
HK$23,607
baseline
▲ 0.50% · 4.625%
HK$25,043
+HK$1,436/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,214/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,713
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,375
−HK$673/mo
Today · 4.125%
HK$26,048
baseline
▲ 0.50% · 4.625%
HK$27,421
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,096/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,916
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,722
−HK$819/mo
Today · 4.125%
HK$27,541
baseline
▲ 0.50% · 4.625%
HK$29,217
+HK$1,676/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$55,082/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,831
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,605
−HK$784/mo
Today · 4.125%
HK$30,389
baseline
▲ 0.50% · 4.625%
HK$31,991
+HK$1,602/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$60,778/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,321
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,357
−HK$1,053/mo
Today · 4.125%
HK$35,410
baseline
▲ 0.50% · 4.625%
HK$37,565
+HK$2,155/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,820/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,069
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,063
−HK$1,009/mo
Today · 4.125%
HK$39,072
baseline
▲ 0.50% · 4.625%
HK$41,131
+HK$2,059/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,144/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,545 · 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).