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$18,532
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,109
−HK$586/mo
Today · 4.125%
HK$19,695
baseline
▲ 0.50% · 4.625%
HK$20,893
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,390/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,617
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,170
−HK$561/mo
Today · 4.125%
HK$21,731
baseline
▲ 0.50% · 4.625%
HK$22,877
+HK$1,146/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,462/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,239
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,931
−HK$703/mo
Today · 4.125%
HK$23,634
baseline
▲ 0.50% · 4.625%
HK$25,072
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,268/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,741
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,404
−HK$673/mo
Today · 4.125%
HK$26,077
baseline
▲ 0.50% · 4.625%
HK$27,452
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,154/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,945
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,753
−HK$819/mo
Today · 4.125%
HK$27,572
baseline
▲ 0.50% · 4.625%
HK$29,250
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,144/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,864
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,638
−HK$785/mo
Today · 4.125%
HK$30,423
baseline
▲ 0.50% · 4.625%
HK$32,027
+HK$1,604/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,846/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,358
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,396
−HK$1,054/mo
Today · 4.125%
HK$35,450
baseline
▲ 0.50% · 4.625%
HK$37,607
+HK$2,157/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$70,900/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,111
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,106
−HK$1,010/mo
Today · 4.125%
HK$39,116
baseline
▲ 0.50% · 4.625%
HK$41,178
+HK$2,062/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$78,232/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,821 · 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).