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$18,539
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,115
−HK$586/mo
Today · 4.125%
HK$19,701
baseline
▲ 0.50% · 4.625%
HK$20,900
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,402/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,624
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,177
−HK$561/mo
Today · 4.125%
HK$21,738
baseline
▲ 0.50% · 4.625%
HK$22,884
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,476/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,246
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,938
−HK$704/mo
Today · 4.125%
HK$23,642
baseline
▲ 0.50% · 4.625%
HK$25,080
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,284/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,749
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,413
−HK$673/mo
Today · 4.125%
HK$26,086
baseline
▲ 0.50% · 4.625%
HK$27,461
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,172/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,954
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,762
−HK$820/mo
Today · 4.125%
HK$27,582
baseline
▲ 0.50% · 4.625%
HK$29,260
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,164/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,874
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,648
−HK$786/mo
Today · 4.125%
HK$30,434
baseline
▲ 0.50% · 4.625%
HK$32,038
+HK$1,604/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,868/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,370
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,408
−HK$1,054/mo
Today · 4.125%
HK$35,462
baseline
▲ 0.50% · 4.625%
HK$37,620
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,924/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,123
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,119
−HK$1,010/mo
Today · 4.125%
HK$39,129
baseline
▲ 0.50% · 4.625%
HK$41,192
+HK$2,063/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,258/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,903 · 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).