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$18,522
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,098
−HK$585/mo
Today · 4.125%
HK$19,683
baseline
▲ 0.50% · 4.625%
HK$20,881
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,366/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,605
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,158
−HK$561/mo
Today · 4.125%
HK$21,719
baseline
▲ 0.50% · 4.625%
HK$22,863
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,438/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,226
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,918
−HK$702/mo
Today · 4.125%
HK$23,620
baseline
▲ 0.50% · 4.625%
HK$25,057
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,240/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,726
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,390
−HK$672/mo
Today · 4.125%
HK$26,062
baseline
▲ 0.50% · 4.625%
HK$27,436
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,124/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,931
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,737
−HK$820/mo
Today · 4.125%
HK$27,557
baseline
▲ 0.50% · 4.625%
HK$29,233
+HK$1,676/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,114/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,848
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,621
−HK$785/mo
Today · 4.125%
HK$30,406
baseline
▲ 0.50% · 4.625%
HK$32,009
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,812/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,339
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,376
−HK$1,054/mo
Today · 4.125%
HK$35,430
baseline
▲ 0.50% · 4.625%
HK$37,586
+HK$2,156/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,860/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,090
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,084
−HK$1,010/mo
Today · 4.125%
HK$39,094
baseline
▲ 0.50% · 4.625%
HK$41,154
+HK$2,060/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,188/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,682 · 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).