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$18,579
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,157
−HK$587/mo
Today · 4.125%
HK$19,744
baseline
▲ 0.50% · 4.625%
HK$20,946
+HK$1,202/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,488/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,669
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,224
−HK$562/mo
Today · 4.125%
HK$21,786
baseline
▲ 0.50% · 4.625%
HK$22,934
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,572/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,295
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,989
−HK$704/mo
Today · 4.125%
HK$23,693
baseline
▲ 0.50% · 4.625%
HK$25,135
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,386/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,803
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,468
−HK$675/mo
Today · 4.125%
HK$26,143
baseline
▲ 0.50% · 4.625%
HK$27,521
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,286/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,011
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,820
−HK$822/mo
Today · 4.125%
HK$27,642
baseline
▲ 0.50% · 4.625%
HK$29,324
+HK$1,682/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,284/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,937
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,713
−HK$787/mo
Today · 4.125%
HK$30,500
baseline
▲ 0.50% · 4.625%
HK$32,108
+HK$1,608/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$61,000/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,443
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,483
−HK$1,057/mo
Today · 4.125%
HK$35,540
baseline
▲ 0.50% · 4.625%
HK$37,702
+HK$2,162/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$71,080/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,205
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,203
−HK$1,012/mo
Today · 4.125%
HK$39,215
baseline
▲ 0.50% · 4.625%
HK$41,282
+HK$2,067/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$78,430/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,438 · 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).