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$18,590
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,169
−HK$587/mo
Today · 4.125%
HK$19,756
baseline
▲ 0.50% · 4.625%
HK$20,958
+HK$1,202/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,512/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,682
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,236
−HK$563/mo
Today · 4.125%
HK$21,799
baseline
▲ 0.50% · 4.625%
HK$22,948
+HK$1,149/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,598/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,308
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,002
−HK$705/mo
Today · 4.125%
HK$23,707
baseline
▲ 0.50% · 4.625%
HK$25,150
+HK$1,443/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,414/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,818
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,484
−HK$675/mo
Today · 4.125%
HK$26,159
baseline
▲ 0.50% · 4.625%
HK$27,538
+HK$1,379/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,318/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,027
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,836
−HK$823/mo
Today · 4.125%
HK$27,659
baseline
▲ 0.50% · 4.625%
HK$29,342
+HK$1,683/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,318/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,954
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,731
−HK$788/mo
Today · 4.125%
HK$30,519
baseline
▲ 0.50% · 4.625%
HK$32,127
+HK$1,608/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,038/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,463
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,504
−HK$1,057/mo
Today · 4.125%
HK$35,561
baseline
▲ 0.50% · 4.625%
HK$37,725
+HK$2,164/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$71,122/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,227
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,225
−HK$1,013/mo
Today · 4.125%
HK$39,238
baseline
▲ 0.50% · 4.625%
HK$41,306
+HK$2,068/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$78,476/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,583 · 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).