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$18,512
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,088
−HK$585/mo
Today · 4.125%
HK$19,673
baseline
▲ 0.50% · 4.625%
HK$20,870
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,346/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,595
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,147
−HK$561/mo
Today · 4.125%
HK$21,708
baseline
▲ 0.50% · 4.625%
HK$22,852
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,416/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,215
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,906
−HK$702/mo
Today · 4.125%
HK$23,608
baseline
▲ 0.50% · 4.625%
HK$25,045
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,216/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,714
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,377
−HK$672/mo
Today · 4.125%
HK$26,049
baseline
▲ 0.50% · 4.625%
HK$27,422
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,098/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,917
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,724
−HK$819/mo
Today · 4.125%
HK$27,543
baseline
▲ 0.50% · 4.625%
HK$29,219
+HK$1,676/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$55,086/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,833
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,606
−HK$785/mo
Today · 4.125%
HK$30,391
baseline
▲ 0.50% · 4.625%
HK$31,993
+HK$1,602/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$60,782/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,322
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,359
−HK$1,053/mo
Today · 4.125%
HK$35,412
baseline
▲ 0.50% · 4.625%
HK$37,567
+HK$2,155/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,824/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,071
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,065
−HK$1,009/mo
Today · 4.125%
HK$39,074
baseline
▲ 0.50% · 4.625%
HK$41,133
+HK$2,059/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,148/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,558 · 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).