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$18,543
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,120
−HK$586/mo
Today · 4.125%
HK$19,706
baseline
▲ 0.50% · 4.625%
HK$20,905
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,412/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,629
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,183
−HK$561/mo
Today · 4.125%
HK$21,744
baseline
▲ 0.50% · 4.625%
HK$22,890
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,488/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,252
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,944
−HK$704/mo
Today · 4.125%
HK$23,648
baseline
▲ 0.50% · 4.625%
HK$25,086
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,296/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,755
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,419
−HK$674/mo
Today · 4.125%
HK$26,093
baseline
▲ 0.50% · 4.625%
HK$27,468
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,186/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,961
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,768
−HK$821/mo
Today · 4.125%
HK$27,589
baseline
▲ 0.50% · 4.625%
HK$29,268
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,178/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,881
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,656
−HK$786/mo
Today · 4.125%
HK$30,442
baseline
▲ 0.50% · 4.625%
HK$32,046
+HK$1,604/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,884/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,378
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,417
−HK$1,054/mo
Today · 4.125%
HK$35,471
baseline
▲ 0.50% · 4.625%
HK$37,630
+HK$2,159/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,942/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,133
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,129
−HK$1,010/mo
Today · 4.125%
HK$39,139
baseline
▲ 0.50% · 4.625%
HK$41,202
+HK$2,063/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,278/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,966 · 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).