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$18,606
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,185
−HK$588/mo
Today · 4.125%
HK$19,773
baseline
▲ 0.50% · 4.625%
HK$20,976
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,546/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,699
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,254
−HK$563/mo
Today · 4.125%
HK$21,817
baseline
▲ 0.50% · 4.625%
HK$22,967
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,634/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,327
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,021
−HK$706/mo
Today · 4.125%
HK$23,727
baseline
▲ 0.50% · 4.625%
HK$25,171
+HK$1,444/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$47,454/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,838
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,505
−HK$675/mo
Today · 4.125%
HK$26,180
baseline
▲ 0.50% · 4.625%
HK$27,560
+HK$1,380/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$52,360/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,048
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,858
−HK$824/mo
Today · 4.125%
HK$27,682
baseline
▲ 0.50% · 4.625%
HK$29,366
+HK$1,684/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,364/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,978
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,755
−HK$789/mo
Today · 4.125%
HK$30,544
baseline
▲ 0.50% · 4.625%
HK$32,154
+HK$1,610/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,088/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,490
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,532
−HK$1,059/mo
Today · 4.125%
HK$35,591
baseline
▲ 0.50% · 4.625%
HK$37,756
+HK$2,165/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,182/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,258
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,257
−HK$1,014/mo
Today · 4.125%
HK$39,271
baseline
▲ 0.50% · 4.625%
HK$41,341
+HK$2,070/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,542/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,786 · 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).