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$18,568
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,146
−HK$587/mo
Today · 4.125%
HK$19,733
baseline
▲ 0.50% · 4.625%
HK$20,933
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,466/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,657
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,211
−HK$562/mo
Today · 4.125%
HK$21,773
baseline
▲ 0.50% · 4.625%
HK$22,921
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,546/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,282
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,975
−HK$704/mo
Today · 4.125%
HK$23,679
baseline
▲ 0.50% · 4.625%
HK$25,120
+HK$1,441/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,358/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,788
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,453
−HK$674/mo
Today · 4.125%
HK$26,127
baseline
▲ 0.50% · 4.625%
HK$27,505
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,254/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,995
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,804
−HK$822/mo
Today · 4.125%
HK$27,626
baseline
▲ 0.50% · 4.625%
HK$29,306
+HK$1,680/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,252/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,920
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,695
−HK$787/mo
Today · 4.125%
HK$30,482
baseline
▲ 0.50% · 4.625%
HK$32,089
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,964/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,423
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,462
−HK$1,057/mo
Today · 4.125%
HK$35,519
baseline
▲ 0.50% · 4.625%
HK$37,680
+HK$2,161/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,038/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,182
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,180
−HK$1,011/mo
Today · 4.125%
HK$39,191
baseline
▲ 0.50% · 4.625%
HK$41,257
+HK$2,066/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,382/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,290 · 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).