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$18,615
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,194
−HK$588/mo
Today · 4.125%
HK$19,782
baseline
▲ 0.50% · 4.625%
HK$20,986
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,564/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,709
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,264
−HK$564/mo
Today · 4.125%
HK$21,828
baseline
▲ 0.50% · 4.625%
HK$22,978
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,656/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,338
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,033
−HK$706/mo
Today · 4.125%
HK$23,739
baseline
▲ 0.50% · 4.625%
HK$25,183
+HK$1,444/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,478/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,851
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,517
−HK$676/mo
Today · 4.125%
HK$26,193
baseline
▲ 0.50% · 4.625%
HK$27,574
+HK$1,381/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,386/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,061
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,872
−HK$823/mo
Today · 4.125%
HK$27,695
baseline
▲ 0.50% · 4.625%
HK$29,381
+HK$1,686/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,390/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,993
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,770
−HK$789/mo
Today · 4.125%
HK$30,559
baseline
▲ 0.50% · 4.625%
HK$32,170
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,118/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,507
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,549
−HK$1,059/mo
Today · 4.125%
HK$35,608
baseline
▲ 0.50% · 4.625%
HK$37,775
+HK$2,167/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$71,216/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,276
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,276
−HK$1,014/mo
Today · 4.125%
HK$39,290
baseline
▲ 0.50% · 4.625%
HK$41,361
+HK$2,071/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$78,580/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,908 · 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).