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$18,548
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,125
−HK$586/mo
Today · 4.125%
HK$19,711
baseline
▲ 0.50% · 4.625%
HK$20,911
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,422/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,635
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,188
−HK$562/mo
Today · 4.125%
HK$21,750
baseline
▲ 0.50% · 4.625%
HK$22,896
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,500/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,258
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,950
−HK$704/mo
Today · 4.125%
HK$23,654
baseline
▲ 0.50% · 4.625%
HK$25,093
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,308/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,762
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,426
−HK$674/mo
Today · 4.125%
HK$26,100
baseline
▲ 0.50% · 4.625%
HK$27,475
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,200/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,968
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,775
−HK$821/mo
Today · 4.125%
HK$27,596
baseline
▲ 0.50% · 4.625%
HK$29,275
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,192/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,889
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,663
−HK$786/mo
Today · 4.125%
HK$30,449
baseline
▲ 0.50% · 4.625%
HK$32,055
+HK$1,606/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,898/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,387
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,425
−HK$1,056/mo
Today · 4.125%
HK$35,481
baseline
▲ 0.50% · 4.625%
HK$37,640
+HK$2,159/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,962/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,143
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,139
−HK$1,010/mo
Today · 4.125%
HK$39,149
baseline
▲ 0.50% · 4.625%
HK$41,213
+HK$2,064/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,298/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,030 · 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).