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$18,566
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,144
−HK$587/mo
Today · 4.125%
HK$19,731
baseline
▲ 0.50% · 4.625%
HK$20,931
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,462/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,655
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,209
−HK$562/mo
Today · 4.125%
HK$21,771
baseline
▲ 0.50% · 4.625%
HK$22,918
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,542/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,280
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,973
−HK$704/mo
Today · 4.125%
HK$23,677
baseline
▲ 0.50% · 4.625%
HK$25,117
+HK$1,440/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,354/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,786
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,450
−HK$675/mo
Today · 4.125%
HK$26,125
baseline
▲ 0.50% · 4.625%
HK$27,502
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,250/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,993
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,801
−HK$822/mo
Today · 4.125%
HK$27,623
baseline
▲ 0.50% · 4.625%
HK$29,304
+HK$1,681/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,246/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,917
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,692
−HK$787/mo
Today · 4.125%
HK$30,479
baseline
▲ 0.50% · 4.625%
HK$32,086
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,958/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,419
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,459
−HK$1,056/mo
Today · 4.125%
HK$35,515
baseline
▲ 0.50% · 4.625%
HK$37,676
+HK$2,161/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,030/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,179
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,176
−HK$1,011/mo
Today · 4.125%
HK$39,187
baseline
▲ 0.50% · 4.625%
HK$41,253
+HK$2,066/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,374/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,266 · 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).