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$18,553
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,130
−HK$586/mo
Today · 4.125%
HK$19,716
baseline
▲ 0.50% · 4.625%
HK$20,916
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,432/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,640
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,194
−HK$561/mo
Today · 4.125%
HK$21,755
baseline
▲ 0.50% · 4.625%
HK$22,902
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,510/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,264
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,956
−HK$704/mo
Today · 4.125%
HK$23,660
baseline
▲ 0.50% · 4.625%
HK$25,099
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,320/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,768
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,432
−HK$674/mo
Today · 4.125%
HK$26,106
baseline
▲ 0.50% · 4.625%
HK$27,482
+HK$1,376/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,212/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,974
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,782
−HK$821/mo
Today · 4.125%
HK$27,603
baseline
▲ 0.50% · 4.625%
HK$29,283
+HK$1,680/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,206/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,896
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,671
−HK$786/mo
Today · 4.125%
HK$30,457
baseline
▲ 0.50% · 4.625%
HK$32,063
+HK$1,606/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,914/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,396
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,434
−HK$1,056/mo
Today · 4.125%
HK$35,490
baseline
▲ 0.50% · 4.625%
HK$37,649
+HK$2,159/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$70,980/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,152
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,149
−HK$1,010/mo
Today · 4.125%
HK$39,159
baseline
▲ 0.50% · 4.625%
HK$41,224
+HK$2,065/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$78,318/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,092 · 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).