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$18,520
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,096
−HK$586/mo
Today · 4.125%
HK$19,682
baseline
▲ 0.50% · 4.625%
HK$20,879
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,364/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,604
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,156
−HK$561/mo
Today · 4.125%
HK$21,717
baseline
▲ 0.50% · 4.625%
HK$22,862
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,434/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,224
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,916
−HK$702/mo
Today · 4.125%
HK$23,618
baseline
▲ 0.50% · 4.625%
HK$25,055
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,236/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,724
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,388
−HK$672/mo
Today · 4.125%
HK$26,060
baseline
▲ 0.50% · 4.625%
HK$27,434
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,120/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,928
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,735
−HK$819/mo
Today · 4.125%
HK$27,554
baseline
▲ 0.50% · 4.625%
HK$29,231
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,108/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,845
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,619
−HK$785/mo
Today · 4.125%
HK$30,404
baseline
▲ 0.50% · 4.625%
HK$32,006
+HK$1,602/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,808/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,337
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,374
−HK$1,053/mo
Today · 4.125%
HK$35,427
baseline
▲ 0.50% · 4.625%
HK$37,583
+HK$2,156/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,854/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,087
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,081
−HK$1,009/mo
Today · 4.125%
HK$39,090
baseline
▲ 0.50% · 4.625%
HK$41,151
+HK$2,061/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,180/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,662 · 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).