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$18,502
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,078
−HK$585/mo
Today · 4.125%
HK$19,663
baseline
▲ 0.50% · 4.625%
HK$20,859
+HK$1,196/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,326/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,584
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,136
−HK$560/mo
Today · 4.125%
HK$21,696
baseline
▲ 0.50% · 4.625%
HK$22,839
+HK$1,143/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,392/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,203
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,893
−HK$702/mo
Today · 4.125%
HK$23,595
baseline
▲ 0.50% · 4.625%
HK$25,031
+HK$1,436/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,190/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,700
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,363
−HK$672/mo
Today · 4.125%
HK$26,035
baseline
▲ 0.50% · 4.625%
HK$27,407
+HK$1,372/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,070/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,903
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,709
−HK$819/mo
Today · 4.125%
HK$27,528
baseline
▲ 0.50% · 4.625%
HK$29,203
+HK$1,675/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,056/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,817
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,590
−HK$784/mo
Today · 4.125%
HK$30,374
baseline
▲ 0.50% · 4.625%
HK$31,975
+HK$1,601/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,748/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,304
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,340
−HK$1,053/mo
Today · 4.125%
HK$35,393
baseline
▲ 0.50% · 4.625%
HK$37,546
+HK$2,153/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,786/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,050
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,044
−HK$1,008/mo
Today · 4.125%
HK$39,052
baseline
▲ 0.50% · 4.625%
HK$41,111
+HK$2,059/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,104/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,424 · 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).