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$18,604
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,182
−HK$588/mo
Today · 4.125%
HK$19,770
baseline
▲ 0.50% · 4.625%
HK$20,973
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,540/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,696
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,252
−HK$563/mo
Today · 4.125%
HK$21,815
baseline
▲ 0.50% · 4.625%
HK$22,965
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,630/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,325
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,019
−HK$705/mo
Today · 4.125%
HK$23,724
baseline
▲ 0.50% · 4.625%
HK$25,168
+HK$1,444/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$47,448/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,836
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,502
−HK$676/mo
Today · 4.125%
HK$26,178
baseline
▲ 0.50% · 4.625%
HK$27,557
+HK$1,379/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$52,356/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,045
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,855
−HK$824/mo
Today · 4.125%
HK$27,679
baseline
▲ 0.50% · 4.625%
HK$29,363
+HK$1,684/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,358/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,975
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,752
−HK$789/mo
Today · 4.125%
HK$30,541
baseline
▲ 0.50% · 4.625%
HK$32,150
+HK$1,609/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,082/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,487
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,528
−HK$1,059/mo
Today · 4.125%
HK$35,587
baseline
▲ 0.50% · 4.625%
HK$37,752
+HK$2,165/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,174/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,254
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,253
−HK$1,013/mo
Today · 4.125%
HK$39,266
baseline
▲ 0.50% · 4.625%
HK$41,336
+HK$2,070/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,532/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,759 · 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).