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$18,545
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,122
−HK$586/mo
Today · 4.125%
HK$19,708
baseline
▲ 0.50% · 4.625%
HK$20,907
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,416/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,631
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,184
−HK$562/mo
Today · 4.125%
HK$21,746
baseline
▲ 0.50% · 4.625%
HK$22,892
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,492/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,254
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,946
−HK$703/mo
Today · 4.125%
HK$23,649
baseline
▲ 0.50% · 4.625%
HK$25,088
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,298/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,757
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,421
−HK$674/mo
Today · 4.125%
HK$26,095
baseline
▲ 0.50% · 4.625%
HK$27,470
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,190/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,963
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,770
−HK$821/mo
Today · 4.125%
HK$27,591
baseline
▲ 0.50% · 4.625%
HK$29,270
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,182/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,883
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,658
−HK$786/mo
Today · 4.125%
HK$30,444
baseline
▲ 0.50% · 4.625%
HK$32,048
+HK$1,604/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,888/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,381
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,419
−HK$1,055/mo
Today · 4.125%
HK$35,474
baseline
▲ 0.50% · 4.625%
HK$37,632
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,948/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,136
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,132
−HK$1,010/mo
Today · 4.125%
HK$39,142
baseline
▲ 0.50% · 4.625%
HK$41,205
+HK$2,063/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,284/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,983 · 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).