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$18,569
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,146
−HK$587/mo
Today · 4.125%
HK$19,733
baseline
▲ 0.50% · 4.625%
HK$20,934
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,466/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,657
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,212
−HK$562/mo
Today · 4.125%
HK$21,774
baseline
▲ 0.50% · 4.625%
HK$22,921
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,548/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,282
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,976
−HK$704/mo
Today · 4.125%
HK$23,680
baseline
▲ 0.50% · 4.625%
HK$25,121
+HK$1,441/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,360/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,789
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,454
−HK$674/mo
Today · 4.125%
HK$26,128
baseline
▲ 0.50% · 4.625%
HK$27,506
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,256/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,996
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,805
−HK$821/mo
Today · 4.125%
HK$27,626
baseline
▲ 0.50% · 4.625%
HK$29,307
+HK$1,681/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,252/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,920
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,696
−HK$787/mo
Today · 4.125%
HK$30,483
baseline
▲ 0.50% · 4.625%
HK$32,090
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,966/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,424
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,463
−HK$1,057/mo
Today · 4.125%
HK$35,520
baseline
▲ 0.50% · 4.625%
HK$37,681
+HK$2,161/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,040/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,183
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,181
−HK$1,011/mo
Today · 4.125%
HK$39,192
baseline
▲ 0.50% · 4.625%
HK$41,258
+HK$2,066/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,384/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,298 · 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).