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$18,543
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,119
−HK$587/mo
Today · 4.125%
HK$19,706
baseline
▲ 0.50% · 4.625%
HK$20,905
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,412/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,629
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,182
−HK$561/mo
Today · 4.125%
HK$21,743
baseline
▲ 0.50% · 4.625%
HK$22,889
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,486/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,251
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,943
−HK$704/mo
Today · 4.125%
HK$23,647
baseline
▲ 0.50% · 4.625%
HK$25,085
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,294/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,754
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,418
−HK$674/mo
Today · 4.125%
HK$26,092
baseline
▲ 0.50% · 4.625%
HK$27,467
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,184/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,960
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,767
−HK$821/mo
Today · 4.125%
HK$27,588
baseline
▲ 0.50% · 4.625%
HK$29,266
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,176/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,880
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,655
−HK$785/mo
Today · 4.125%
HK$30,440
baseline
▲ 0.50% · 4.625%
HK$32,045
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,880/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,377
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,415
−HK$1,055/mo
Today · 4.125%
HK$35,470
baseline
▲ 0.50% · 4.625%
HK$37,628
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,940/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,131
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,127
−HK$1,011/mo
Today · 4.125%
HK$39,138
baseline
▲ 0.50% · 4.625%
HK$41,201
+HK$2,063/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,276/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,956 · 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).