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$18,507
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,082
−HK$585/mo
Today · 4.125%
HK$19,667
baseline
▲ 0.50% · 4.625%
HK$20,864
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,334/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,589
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,141
−HK$560/mo
Today · 4.125%
HK$21,701
baseline
▲ 0.50% · 4.625%
HK$22,845
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,402/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,208
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,899
−HK$702/mo
Today · 4.125%
HK$23,601
baseline
▲ 0.50% · 4.625%
HK$25,037
+HK$1,436/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,202/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,706
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,369
−HK$672/mo
Today · 4.125%
HK$26,041
baseline
▲ 0.50% · 4.625%
HK$27,414
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,082/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,909
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,715
−HK$819/mo
Today · 4.125%
HK$27,534
baseline
▲ 0.50% · 4.625%
HK$29,210
+HK$1,676/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,068/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,824
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,597
−HK$784/mo
Today · 4.125%
HK$30,381
baseline
▲ 0.50% · 4.625%
HK$31,983
+HK$1,602/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,762/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,312
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,348
−HK$1,053/mo
Today · 4.125%
HK$35,401
baseline
▲ 0.50% · 4.625%
HK$37,555
+HK$2,154/mo
Deposit HK$812K · loan HK$7.30M · min. income ≈ HK$70,802/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,059
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,053
−HK$1,009/mo
Today · 4.125%
HK$39,062
baseline
▲ 0.50% · 4.625%
HK$41,121
+HK$2,059/mo
Deposit HK$812K · loan HK$7.30M · min. income ≈ HK$78,124/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,483 · 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).