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$18,610
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,189
−HK$588/mo
Today · 4.125%
HK$19,777
baseline
▲ 0.50% · 4.625%
HK$20,980
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,554/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,703
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,258
−HK$564/mo
Today · 4.125%
HK$21,822
baseline
▲ 0.50% · 4.625%
HK$22,972
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,644/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,332
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,026
−HK$706/mo
Today · 4.125%
HK$23,732
baseline
▲ 0.50% · 4.625%
HK$25,176
+HK$1,444/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$47,464/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,844
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,510
−HK$676/mo
Today · 4.125%
HK$26,186
baseline
▲ 0.50% · 4.625%
HK$27,566
+HK$1,380/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$52,372/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,054
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,864
−HK$823/mo
Today · 4.125%
HK$27,687
baseline
▲ 0.50% · 4.625%
HK$29,372
+HK$1,685/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,374/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,984
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,762
−HK$788/mo
Today · 4.125%
HK$30,550
baseline
▲ 0.50% · 4.625%
HK$32,161
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,100/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,497
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,539
−HK$1,059/mo
Today · 4.125%
HK$35,598
baseline
▲ 0.50% · 4.625%
HK$37,764
+HK$2,166/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$71,196/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,265
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,265
−HK$1,014/mo
Today · 4.125%
HK$39,279
baseline
▲ 0.50% · 4.625%
HK$41,349
+HK$2,070/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$78,558/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,837 · 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).