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$18,599
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,177
−HK$588/mo
Today · 4.125%
HK$19,765
baseline
▲ 0.50% · 4.625%
HK$20,967
+HK$1,202/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,530/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,691
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,246
−HK$563/mo
Today · 4.125%
HK$21,809
baseline
▲ 0.50% · 4.625%
HK$22,958
+HK$1,149/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,618/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,318
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,012
−HK$706/mo
Today · 4.125%
HK$23,718
baseline
▲ 0.50% · 4.625%
HK$25,161
+HK$1,443/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,436/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,829
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,495
−HK$675/mo
Today · 4.125%
HK$26,170
baseline
▲ 0.50% · 4.625%
HK$27,550
+HK$1,380/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,340/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,038
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,848
−HK$823/mo
Today · 4.125%
HK$27,671
baseline
▲ 0.50% · 4.625%
HK$29,354
+HK$1,683/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,342/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,967
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,744
−HK$788/mo
Today · 4.125%
HK$30,532
baseline
▲ 0.50% · 4.625%
HK$32,141
+HK$1,609/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,064/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,477
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,519
−HK$1,058/mo
Today · 4.125%
HK$35,577
baseline
▲ 0.50% · 4.625%
HK$37,741
+HK$2,164/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,154/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,243
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,242
−HK$1,013/mo
Today · 4.125%
HK$39,255
baseline
▲ 0.50% · 4.625%
HK$41,325
+HK$2,070/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,510/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,690 · 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).