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$18,597
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,176
−HK$587/mo
Today · 4.125%
HK$19,763
baseline
▲ 0.50% · 4.625%
HK$20,966
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,526/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,689
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,244
−HK$563/mo
Today · 4.125%
HK$21,807
baseline
▲ 0.50% · 4.625%
HK$22,956
+HK$1,149/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,614/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,317
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,011
−HK$705/mo
Today · 4.125%
HK$23,716
baseline
▲ 0.50% · 4.625%
HK$25,159
+HK$1,443/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,432/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,827
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,493
−HK$675/mo
Today · 4.125%
HK$26,168
baseline
▲ 0.50% · 4.625%
HK$27,548
+HK$1,380/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,336/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,036
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,846
−HK$823/mo
Today · 4.125%
HK$27,669
baseline
▲ 0.50% · 4.625%
HK$29,352
+HK$1,683/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,338/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,965
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,742
−HK$788/mo
Today · 4.125%
HK$30,530
baseline
▲ 0.50% · 4.625%
HK$32,139
+HK$1,609/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,060/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,475
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,516
−HK$1,058/mo
Today · 4.125%
HK$35,574
baseline
▲ 0.50% · 4.625%
HK$37,739
+HK$2,165/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,148/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,241
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,239
−HK$1,014/mo
Today · 4.125%
HK$39,253
baseline
▲ 0.50% · 4.625%
HK$41,322
+HK$2,069/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,506/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,673 · 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).