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$18,541
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,118
−HK$586/mo
Today · 4.125%
HK$19,704
baseline
▲ 0.50% · 4.625%
HK$20,903
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,408/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,627
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,180
−HK$561/mo
Today · 4.125%
HK$21,741
baseline
▲ 0.50% · 4.625%
HK$22,887
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,482/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,249
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,942
−HK$703/mo
Today · 4.125%
HK$23,645
baseline
▲ 0.50% · 4.625%
HK$25,083
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,290/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,752
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,416
−HK$674/mo
Today · 4.125%
HK$26,090
baseline
▲ 0.50% · 4.625%
HK$27,465
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,180/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,958
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,765
−HK$821/mo
Today · 4.125%
HK$27,586
baseline
▲ 0.50% · 4.625%
HK$29,264
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,172/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,878
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,652
−HK$786/mo
Today · 4.125%
HK$30,438
baseline
▲ 0.50% · 4.625%
HK$32,042
+HK$1,604/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,876/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,374
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,412
−HK$1,055/mo
Today · 4.125%
HK$35,467
baseline
▲ 0.50% · 4.625%
HK$37,625
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,934/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,129
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,124
−HK$1,010/mo
Today · 4.125%
HK$39,134
baseline
▲ 0.50% · 4.625%
HK$41,197
+HK$2,063/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,268/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,937 · 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).