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$18,593
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,171
−HK$588/mo
Today · 4.125%
HK$19,759
baseline
▲ 0.50% · 4.625%
HK$20,961
+HK$1,202/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,518/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,684
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,239
−HK$563/mo
Today · 4.125%
HK$21,802
baseline
▲ 0.50% · 4.625%
HK$22,951
+HK$1,149/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,604/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,311
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,005
−HK$706/mo
Today · 4.125%
HK$23,711
baseline
▲ 0.50% · 4.625%
HK$25,153
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,422/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,821
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,487
−HK$675/mo
Today · 4.125%
HK$26,162
baseline
▲ 0.50% · 4.625%
HK$27,541
+HK$1,379/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,324/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,030
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,840
−HK$822/mo
Today · 4.125%
HK$27,662
baseline
▲ 0.50% · 4.625%
HK$29,345
+HK$1,683/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,324/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,958
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,735
−HK$788/mo
Today · 4.125%
HK$30,523
baseline
▲ 0.50% · 4.625%
HK$32,131
+HK$1,608/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,046/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,467
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,508
−HK$1,058/mo
Today · 4.125%
HK$35,566
baseline
▲ 0.50% · 4.625%
HK$37,730
+HK$2,164/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$71,132/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,232
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,230
−HK$1,013/mo
Today · 4.125%
HK$39,243
baseline
▲ 0.50% · 4.625%
HK$41,312
+HK$2,069/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$78,486/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,616 · 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).