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$18,559
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,136
−HK$587/mo
Today · 4.125%
HK$19,723
baseline
▲ 0.50% · 4.625%
HK$20,923
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,446/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,646
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,200
−HK$562/mo
Today · 4.125%
HK$21,762
baseline
▲ 0.50% · 4.625%
HK$22,909
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,524/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,271
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,963
−HK$704/mo
Today · 4.125%
HK$23,667
baseline
▲ 0.50% · 4.625%
HK$25,107
+HK$1,440/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$47,334/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,776
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,440
−HK$674/mo
Today · 4.125%
HK$26,114
baseline
▲ 0.50% · 4.625%
HK$27,491
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$52,228/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,982
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,791
−HK$821/mo
Today · 4.125%
HK$27,612
baseline
▲ 0.50% · 4.625%
HK$29,292
+HK$1,680/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,224/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,905
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,680
−HK$787/mo
Today · 4.125%
HK$30,467
baseline
▲ 0.50% · 4.625%
HK$32,073
+HK$1,606/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,934/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,406
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,445
−HK$1,056/mo
Today · 4.125%
HK$35,501
baseline
▲ 0.50% · 4.625%
HK$37,661
+HK$2,160/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,002/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,164
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,160
−HK$1,012/mo
Today · 4.125%
HK$39,172
baseline
▲ 0.50% · 4.625%
HK$41,236
+HK$2,064/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,344/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,168 · 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).