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$18,611
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,190
−HK$588/mo
Today · 4.125%
HK$19,778
baseline
▲ 0.50% · 4.625%
HK$20,981
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,556/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,704
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,259
−HK$564/mo
Today · 4.125%
HK$21,823
baseline
▲ 0.50% · 4.625%
HK$22,973
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,646/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,333
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,027
−HK$706/mo
Today · 4.125%
HK$23,733
baseline
▲ 0.50% · 4.625%
HK$25,177
+HK$1,444/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$47,466/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,845
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,511
−HK$676/mo
Today · 4.125%
HK$26,187
baseline
▲ 0.50% · 4.625%
HK$27,568
+HK$1,381/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$52,374/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,055
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,865
−HK$824/mo
Today · 4.125%
HK$27,689
baseline
▲ 0.50% · 4.625%
HK$29,374
+HK$1,685/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,378/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,986
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,763
−HK$789/mo
Today · 4.125%
HK$30,552
baseline
▲ 0.50% · 4.625%
HK$32,162
+HK$1,610/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,104/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,499
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,541
−HK$1,059/mo
Today · 4.125%
HK$35,600
baseline
▲ 0.50% · 4.625%
HK$37,766
+HK$2,166/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$71,200/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,268
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,267
−HK$1,014/mo
Today · 4.125%
HK$39,281
baseline
▲ 0.50% · 4.625%
HK$41,352
+HK$2,071/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$78,562/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,850 · 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).