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$18,520
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,096
−HK$585/mo
Today · 4.125%
HK$19,681
baseline
▲ 0.50% · 4.625%
HK$20,879
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,362/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,603
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,156
−HK$560/mo
Today · 4.125%
HK$21,716
baseline
▲ 0.50% · 4.625%
HK$22,861
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,432/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,224
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,915
−HK$702/mo
Today · 4.125%
HK$23,617
baseline
▲ 0.50% · 4.625%
HK$25,054
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,234/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,724
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,387
−HK$672/mo
Today · 4.125%
HK$26,059
baseline
▲ 0.50% · 4.625%
HK$27,433
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,118/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,928
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,734
−HK$819/mo
Today · 4.125%
HK$27,553
baseline
▲ 0.50% · 4.625%
HK$29,230
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,106/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,844
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,618
−HK$785/mo
Today · 4.125%
HK$30,403
baseline
▲ 0.50% · 4.625%
HK$32,005
+HK$1,602/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,806/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,335
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,372
−HK$1,054/mo
Today · 4.125%
HK$35,426
baseline
▲ 0.50% · 4.625%
HK$37,581
+HK$2,155/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,852/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,085
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,080
−HK$1,009/mo
Today · 4.125%
HK$39,089
baseline
▲ 0.50% · 4.625%
HK$41,149
+HK$2,060/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,178/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,653 · 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).