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$18,607
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,186
−HK$588/mo
Today · 4.125%
HK$19,774
baseline
▲ 0.50% · 4.625%
HK$20,977
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,548/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,700
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,255
−HK$564/mo
Today · 4.125%
HK$21,819
baseline
▲ 0.50% · 4.625%
HK$22,969
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,638/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,329
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,023
−HK$706/mo
Today · 4.125%
HK$23,729
baseline
▲ 0.50% · 4.625%
HK$25,173
+HK$1,444/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$47,458/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,840
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,507
−HK$675/mo
Today · 4.125%
HK$26,182
baseline
▲ 0.50% · 4.625%
HK$27,562
+HK$1,380/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$52,364/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,050
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,860
−HK$824/mo
Today · 4.125%
HK$27,684
baseline
▲ 0.50% · 4.625%
HK$29,368
+HK$1,684/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,368/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,980
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,758
−HK$788/mo
Today · 4.125%
HK$30,546
baseline
▲ 0.50% · 4.625%
HK$32,156
+HK$1,610/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,092/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,493
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,535
−HK$1,058/mo
Today · 4.125%
HK$35,593
baseline
▲ 0.50% · 4.625%
HK$37,759
+HK$2,166/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,186/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,261
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,260
−HK$1,014/mo
Today · 4.125%
HK$39,274
baseline
▲ 0.50% · 4.625%
HK$41,344
+HK$2,070/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,548/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,804 · 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).