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$18,487
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,062
−HK$584/mo
Today · 4.125%
HK$19,646
baseline
▲ 0.50% · 4.625%
HK$20,842
+HK$1,196/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,292/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,567
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,118
−HK$560/mo
Today · 4.125%
HK$21,678
baseline
▲ 0.50% · 4.625%
HK$22,820
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,356/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,184
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,874
−HK$701/mo
Today · 4.125%
HK$23,575
baseline
▲ 0.50% · 4.625%
HK$25,010
+HK$1,435/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,150/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,680
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,342
−HK$671/mo
Today · 4.125%
HK$26,013
baseline
▲ 0.50% · 4.625%
HK$27,384
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,026/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,882
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,687
−HK$818/mo
Today · 4.125%
HK$27,505
baseline
▲ 0.50% · 4.625%
HK$29,178
+HK$1,673/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,010/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,793
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,565
−HK$784/mo
Today · 4.125%
HK$30,349
baseline
▲ 0.50% · 4.625%
HK$31,948
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,698/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,276
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,312
−HK$1,051/mo
Today · 4.125%
HK$35,363
baseline
▲ 0.50% · 4.625%
HK$37,515
+HK$2,152/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,726/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,020
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,013
−HK$1,007/mo
Today · 4.125%
HK$39,020
baseline
▲ 0.50% · 4.625%
HK$41,077
+HK$2,057/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,040/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,222 · 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).