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$18,614
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,193
−HK$589/mo
Today · 4.125%
HK$19,782
baseline
▲ 0.50% · 4.625%
HK$20,985
+HK$1,203/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$244,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,708
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,264
−HK$563/mo
Today · 4.125%
HK$21,827
baseline
▲ 0.50% · 4.625%
HK$22,978
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,654/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,337
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,032
−HK$706/mo
Today · 4.125%
HK$23,738
baseline
▲ 0.50% · 4.625%
HK$25,182
+HK$1,444/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,476/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,850
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,516
−HK$677/mo
Today · 4.125%
HK$26,193
baseline
▲ 0.50% · 4.625%
HK$27,573
+HK$1,380/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$244,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,060
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,871
−HK$823/mo
Today · 4.125%
HK$27,694
baseline
▲ 0.50% · 4.625%
HK$29,379
+HK$1,685/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,388/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,992
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,769
−HK$789/mo
Today · 4.125%
HK$30,558
baseline
▲ 0.50% · 4.625%
HK$32,169
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,116/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,506
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,548
−HK$1,059/mo
Today · 4.125%
HK$35,607
baseline
▲ 0.50% · 4.625%
HK$37,774
+HK$2,167/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$71,214/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,275
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,275
−HK$1,014/mo
Today · 4.125%
HK$39,289
baseline
▲ 0.50% · 4.625%
HK$41,360
+HK$2,071/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$78,578/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,899 · 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).