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$18,549
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,126
−HK$587/mo
Today · 4.125%
HK$19,713
baseline
▲ 0.50% · 4.625%
HK$20,912
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,426/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,636
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,189
−HK$562/mo
Today · 4.125%
HK$21,751
baseline
▲ 0.50% · 4.625%
HK$22,897
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,502/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,259
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,952
−HK$703/mo
Today · 4.125%
HK$23,655
baseline
▲ 0.50% · 4.625%
HK$25,094
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,310/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,763
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,427
−HK$674/mo
Today · 4.125%
HK$26,101
baseline
▲ 0.50% · 4.625%
HK$27,477
+HK$1,376/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,202/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,969
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,777
−HK$821/mo
Today · 4.125%
HK$27,598
baseline
▲ 0.50% · 4.625%
HK$29,277
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,196/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,890
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,665
−HK$786/mo
Today · 4.125%
HK$30,451
baseline
▲ 0.50% · 4.625%
HK$32,056
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,902/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,389
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,427
−HK$1,056/mo
Today · 4.125%
HK$35,483
baseline
▲ 0.50% · 4.625%
HK$37,642
+HK$2,159/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,966/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,145
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,141
−HK$1,010/mo
Today · 4.125%
HK$39,151
baseline
▲ 0.50% · 4.625%
HK$41,215
+HK$2,064/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,302/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,043 · 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).