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$18,533
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,110
−HK$585/mo
Today · 4.125%
HK$19,695
baseline
▲ 0.50% · 4.625%
HK$20,894
+HK$1,199/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,390/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,618
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,171
−HK$561/mo
Today · 4.125%
HK$21,732
baseline
▲ 0.50% · 4.625%
HK$22,877
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,464/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,240
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,932
−HK$702/mo
Today · 4.125%
HK$23,634
baseline
▲ 0.50% · 4.625%
HK$25,072
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,268/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,741
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,405
−HK$673/mo
Today · 4.125%
HK$26,078
baseline
▲ 0.50% · 4.625%
HK$27,453
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,156/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,946
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,753
−HK$820/mo
Today · 4.125%
HK$27,573
baseline
▲ 0.50% · 4.625%
HK$29,251
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,146/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,865
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,639
−HK$786/mo
Today · 4.125%
HK$30,425
baseline
▲ 0.50% · 4.625%
HK$32,028
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,850/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,360
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,397
−HK$1,055/mo
Today · 4.125%
HK$35,452
baseline
▲ 0.50% · 4.625%
HK$37,609
+HK$2,157/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$70,904/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,112
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,108
−HK$1,009/mo
Today · 4.125%
HK$39,117
baseline
▲ 0.50% · 4.625%
HK$41,179
+HK$2,062/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$78,234/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,830 · 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).