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$18,529
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,106
−HK$585/mo
Today · 4.125%
HK$19,691
baseline
▲ 0.50% · 4.625%
HK$20,889
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,382/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,614
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,166
−HK$561/mo
Today · 4.125%
HK$21,727
baseline
▲ 0.50% · 4.625%
HK$22,873
+HK$1,146/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,454/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,235
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,927
−HK$702/mo
Today · 4.125%
HK$23,629
baseline
▲ 0.50% · 4.625%
HK$25,067
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,258/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,736
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,400
−HK$673/mo
Today · 4.125%
HK$26,073
baseline
▲ 0.50% · 4.625%
HK$27,447
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,146/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,941
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,748
−HK$820/mo
Today · 4.125%
HK$27,568
baseline
▲ 0.50% · 4.625%
HK$29,245
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,136/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,859
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,633
−HK$785/mo
Today · 4.125%
HK$30,418
baseline
▲ 0.50% · 4.625%
HK$32,022
+HK$1,604/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,836/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,353
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,390
−HK$1,054/mo
Today · 4.125%
HK$35,444
baseline
▲ 0.50% · 4.625%
HK$37,601
+HK$2,157/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$70,888/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,104
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,100
−HK$1,009/mo
Today · 4.125%
HK$39,109
baseline
▲ 0.50% · 4.625%
HK$41,171
+HK$2,062/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$78,218/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,778 · 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).