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$18,585
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,163
−HK$587/mo
Today · 4.125%
HK$19,750
baseline
▲ 0.50% · 4.625%
HK$20,952
+HK$1,202/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,500/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,675
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,230
−HK$562/mo
Today · 4.125%
HK$21,792
baseline
▲ 0.50% · 4.625%
HK$22,941
+HK$1,149/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,584/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,302
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,995
−HK$705/mo
Today · 4.125%
HK$23,700
baseline
▲ 0.50% · 4.625%
HK$25,142
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,400/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,810
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,476
−HK$675/mo
Today · 4.125%
HK$26,151
baseline
▲ 0.50% · 4.625%
HK$27,529
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,302/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,018
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,828
−HK$822/mo
Today · 4.125%
HK$27,650
baseline
▲ 0.50% · 4.625%
HK$29,332
+HK$1,682/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,300/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,945
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,722
−HK$787/mo
Today · 4.125%
HK$30,509
baseline
▲ 0.50% · 4.625%
HK$32,117
+HK$1,608/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,018/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,452
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,493
−HK$1,057/mo
Today · 4.125%
HK$35,550
baseline
▲ 0.50% · 4.625%
HK$37,713
+HK$2,163/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$71,100/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,215
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,213
−HK$1,013/mo
Today · 4.125%
HK$39,226
baseline
▲ 0.50% · 4.625%
HK$41,294
+HK$2,068/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$78,452/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,507 · 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).