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$18,507
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,083
−HK$585/mo
Today · 4.125%
HK$19,668
baseline
▲ 0.50% · 4.625%
HK$20,865
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,336/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,589
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,141
−HK$561/mo
Today · 4.125%
HK$21,702
baseline
▲ 0.50% · 4.625%
HK$22,845
+HK$1,143/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,404/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,209
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,900
−HK$701/mo
Today · 4.125%
HK$23,601
baseline
▲ 0.50% · 4.625%
HK$25,038
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,202/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,707
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,370
−HK$672/mo
Today · 4.125%
HK$26,042
baseline
▲ 0.50% · 4.625%
HK$27,415
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,084/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,910
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,716
−HK$819/mo
Today · 4.125%
HK$27,535
baseline
▲ 0.50% · 4.625%
HK$29,210
+HK$1,675/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,070/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,825
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,598
−HK$784/mo
Today · 4.125%
HK$30,382
baseline
▲ 0.50% · 4.625%
HK$31,984
+HK$1,602/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,764/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,313
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,349
−HK$1,053/mo
Today · 4.125%
HK$35,402
baseline
▲ 0.50% · 4.625%
HK$37,556
+HK$2,154/mo
Deposit HK$812K · loan HK$7.30M · min. income ≈ HK$70,804/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,061
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,054
−HK$1,009/mo
Today · 4.125%
HK$39,063
baseline
▲ 0.50% · 4.625%
HK$41,122
+HK$2,059/mo
Deposit HK$812K · loan HK$7.30M · min. income ≈ HK$78,126/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,490 · 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).