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$18,503
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,078
−HK$585/mo
Today · 4.125%
HK$19,663
baseline
▲ 0.50% · 4.625%
HK$20,859
+HK$1,196/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,326/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,584
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,136
−HK$560/mo
Today · 4.125%
HK$21,696
baseline
▲ 0.50% · 4.625%
HK$22,840
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,392/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,203
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,894
−HK$701/mo
Today · 4.125%
HK$23,595
baseline
▲ 0.50% · 4.625%
HK$25,031
+HK$1,436/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,190/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,701
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,363
−HK$672/mo
Today · 4.125%
HK$26,035
baseline
▲ 0.50% · 4.625%
HK$27,408
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,070/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,904
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,709
−HK$819/mo
Today · 4.125%
HK$27,528
baseline
▲ 0.50% · 4.625%
HK$29,203
+HK$1,675/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,056/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,818
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,590
−HK$784/mo
Today · 4.125%
HK$30,374
baseline
▲ 0.50% · 4.625%
HK$31,976
+HK$1,602/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,748/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,305
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,341
−HK$1,052/mo
Today · 4.125%
HK$35,393
baseline
▲ 0.50% · 4.625%
HK$37,547
+HK$2,154/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,786/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,051
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,045
−HK$1,008/mo
Today · 4.125%
HK$39,053
baseline
▲ 0.50% · 4.625%
HK$41,111
+HK$2,058/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,106/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,429 · 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).