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$18,532
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,108
−HK$586/mo
Today · 4.125%
HK$19,694
baseline
▲ 0.50% · 4.625%
HK$20,893
+HK$1,199/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,388/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,617
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,170
−HK$561/mo
Today · 4.125%
HK$21,731
baseline
▲ 0.50% · 4.625%
HK$22,876
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,462/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,238
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,930
−HK$703/mo
Today · 4.125%
HK$23,633
baseline
▲ 0.50% · 4.625%
HK$25,071
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,266/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,740
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,404
−HK$673/mo
Today · 4.125%
HK$26,077
baseline
▲ 0.50% · 4.625%
HK$27,451
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,154/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,945
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,752
−HK$820/mo
Today · 4.125%
HK$27,572
baseline
▲ 0.50% · 4.625%
HK$29,250
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,144/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,863
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,637
−HK$786/mo
Today · 4.125%
HK$30,423
baseline
▲ 0.50% · 4.625%
HK$32,026
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,846/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,358
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,395
−HK$1,054/mo
Today · 4.125%
HK$35,449
baseline
▲ 0.50% · 4.625%
HK$37,607
+HK$2,158/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$70,898/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,110
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,105
−HK$1,010/mo
Today · 4.125%
HK$39,115
baseline
▲ 0.50% · 4.625%
HK$41,177
+HK$2,062/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$78,230/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,816 · 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).