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$18,523
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,100
−HK$585/mo
Today · 4.125%
HK$19,685
baseline
▲ 0.50% · 4.625%
HK$20,883
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,370/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,607
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,160
−HK$560/mo
Today · 4.125%
HK$21,720
baseline
▲ 0.50% · 4.625%
HK$22,865
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,440/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,228
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,919
−HK$703/mo
Today · 4.125%
HK$23,622
baseline
▲ 0.50% · 4.625%
HK$25,059
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,244/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,728
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,392
−HK$672/mo
Today · 4.125%
HK$26,064
baseline
▲ 0.50% · 4.625%
HK$27,438
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,128/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,933
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,739
−HK$820/mo
Today · 4.125%
HK$27,559
baseline
▲ 0.50% · 4.625%
HK$29,236
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,118/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,850
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,624
−HK$785/mo
Today · 4.125%
HK$30,409
baseline
▲ 0.50% · 4.625%
HK$32,011
+HK$1,602/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,818/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,342
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,379
−HK$1,054/mo
Today · 4.125%
HK$35,433
baseline
▲ 0.50% · 4.625%
HK$37,589
+HK$2,156/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,866/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,093
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,087
−HK$1,010/mo
Today · 4.125%
HK$39,097
baseline
▲ 0.50% · 4.625%
HK$41,158
+HK$2,061/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,194/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,701 · 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).