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$18,524
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,101
−HK$585/mo
Today · 4.125%
HK$19,686
baseline
▲ 0.50% · 4.625%
HK$20,884
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,372/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,608
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,161
−HK$561/mo
Today · 4.125%
HK$21,722
baseline
▲ 0.50% · 4.625%
HK$22,867
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,444/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,229
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,921
−HK$702/mo
Today · 4.125%
HK$23,623
baseline
▲ 0.50% · 4.625%
HK$25,061
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,246/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,730
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,393
−HK$673/mo
Today · 4.125%
HK$26,066
baseline
▲ 0.50% · 4.625%
HK$27,440
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,132/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,934
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,741
−HK$819/mo
Today · 4.125%
HK$27,560
baseline
▲ 0.50% · 4.625%
HK$29,237
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,120/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,851
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,625
−HK$785/mo
Today · 4.125%
HK$30,410
baseline
▲ 0.50% · 4.625%
HK$32,013
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,820/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,344
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,381
−HK$1,054/mo
Today · 4.125%
HK$35,435
baseline
▲ 0.50% · 4.625%
HK$37,591
+HK$2,156/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,870/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,095
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,090
−HK$1,009/mo
Today · 4.125%
HK$39,099
baseline
▲ 0.50% · 4.625%
HK$41,160
+HK$2,061/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,198/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,715 · 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).