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$18,601
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,180
−HK$588/mo
Today · 4.125%
HK$19,768
baseline
▲ 0.50% · 4.625%
HK$20,970
+HK$1,202/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,536/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,693
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,248
−HK$563/mo
Today · 4.125%
HK$21,811
baseline
▲ 0.50% · 4.625%
HK$22,961
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,622/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,321
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,016
−HK$705/mo
Today · 4.125%
HK$23,721
baseline
▲ 0.50% · 4.625%
HK$25,164
+HK$1,443/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,442/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,832
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,498
−HK$676/mo
Today · 4.125%
HK$26,174
baseline
▲ 0.50% · 4.625%
HK$27,553
+HK$1,379/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,348/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,041
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,852
−HK$823/mo
Today · 4.125%
HK$27,675
baseline
▲ 0.50% · 4.625%
HK$29,358
+HK$1,683/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,350/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,971
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,748
−HK$788/mo
Today · 4.125%
HK$30,536
baseline
▲ 0.50% · 4.625%
HK$32,146
+HK$1,610/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,072/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,482
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,523
−HK$1,059/mo
Today · 4.125%
HK$35,582
baseline
▲ 0.50% · 4.625%
HK$37,747
+HK$2,165/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,164/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,248
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,247
−HK$1,014/mo
Today · 4.125%
HK$39,261
baseline
▲ 0.50% · 4.625%
HK$41,330
+HK$2,069/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,522/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,724 · 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).