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$18,482
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,056
−HK$585/mo
Today · 4.125%
HK$19,641
baseline
▲ 0.50% · 4.625%
HK$20,836
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,282/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,561
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,112
−HK$559/mo
Today · 4.125%
HK$21,671
baseline
▲ 0.50% · 4.625%
HK$22,814
+HK$1,143/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,342/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,178
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,868
−HK$701/mo
Today · 4.125%
HK$23,569
baseline
▲ 0.50% · 4.625%
HK$25,003
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,138/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,673
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,334
−HK$672/mo
Today · 4.125%
HK$26,006
baseline
▲ 0.50% · 4.625%
HK$27,376
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,012/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,874
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,679
−HK$818/mo
Today · 4.125%
HK$27,497
baseline
▲ 0.50% · 4.625%
HK$29,170
+HK$1,673/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,994/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,785
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,557
−HK$783/mo
Today · 4.125%
HK$30,340
baseline
▲ 0.50% · 4.625%
HK$31,939
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,680/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,267
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,302
−HK$1,051/mo
Today · 4.125%
HK$35,353
baseline
▲ 0.50% · 4.625%
HK$37,504
+HK$2,151/mo
Deposit HK$811K · loan HK$7.29M · min. income ≈ HK$70,706/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,009
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$38,002
−HK$1,006/mo
Today · 4.125%
HK$39,008
baseline
▲ 0.50% · 4.625%
HK$41,065
+HK$2,057/mo
Deposit HK$811K · loan HK$7.29M · min. income ≈ HK$78,016/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,151 · 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).