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$18,570
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,148
−HK$586/mo
Today · 4.125%
HK$19,734
baseline
▲ 0.50% · 4.625%
HK$20,935
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,468/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,659
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,213
−HK$562/mo
Today · 4.125%
HK$21,775
baseline
▲ 0.50% · 4.625%
HK$22,923
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,550/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,284
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,977
−HK$704/mo
Today · 4.125%
HK$23,681
baseline
▲ 0.50% · 4.625%
HK$25,122
+HK$1,441/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,362/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,791
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,455
−HK$675/mo
Today · 4.125%
HK$26,130
baseline
▲ 0.50% · 4.625%
HK$27,507
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,260/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,998
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,807
−HK$821/mo
Today · 4.125%
HK$27,628
baseline
▲ 0.50% · 4.625%
HK$29,309
+HK$1,681/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,256/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,922
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,698
−HK$787/mo
Today · 4.125%
HK$30,485
baseline
▲ 0.50% · 4.625%
HK$32,092
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,970/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,426
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,466
−HK$1,056/mo
Today · 4.125%
HK$35,522
baseline
▲ 0.50% · 4.625%
HK$37,683
+HK$2,161/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,044/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,186
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,183
−HK$1,012/mo
Today · 4.125%
HK$39,195
baseline
▲ 0.50% · 4.625%
HK$41,261
+HK$2,066/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,390/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,314 · 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).