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$18,601
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,179
−HK$588/mo
Today · 4.125%
HK$19,767
baseline
▲ 0.50% · 4.625%
HK$20,970
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,534/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,693
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,248
−HK$563/mo
Today · 4.125%
HK$21,811
baseline
▲ 0.50% · 4.625%
HK$22,961
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,622/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,321
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,015
−HK$706/mo
Today · 4.125%
HK$23,721
baseline
▲ 0.50% · 4.625%
HK$25,164
+HK$1,443/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,442/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,832
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,498
−HK$675/mo
Today · 4.125%
HK$26,173
baseline
▲ 0.50% · 4.625%
HK$27,553
+HK$1,380/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,346/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,041
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,851
−HK$823/mo
Today · 4.125%
HK$27,674
baseline
▲ 0.50% · 4.625%
HK$29,358
+HK$1,684/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,348/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,970
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,747
−HK$789/mo
Today · 4.125%
HK$30,536
baseline
▲ 0.50% · 4.625%
HK$32,145
+HK$1,609/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,072/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,481
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,523
−HK$1,058/mo
Today · 4.125%
HK$35,581
baseline
▲ 0.50% · 4.625%
HK$37,746
+HK$2,165/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,162/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,248
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,247
−HK$1,013/mo
Today · 4.125%
HK$39,260
baseline
▲ 0.50% · 4.625%
HK$41,330
+HK$2,070/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,520/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,720 · 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).