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$18,517
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,093
−HK$585/mo
Today · 4.125%
HK$19,678
baseline
▲ 0.50% · 4.625%
HK$20,876
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,356/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,600
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,152
−HK$561/mo
Today · 4.125%
HK$21,713
baseline
▲ 0.50% · 4.625%
HK$22,857
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,426/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,220
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,912
−HK$702/mo
Today · 4.125%
HK$23,614
baseline
▲ 0.50% · 4.625%
HK$25,051
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,228/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,720
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,383
−HK$672/mo
Today · 4.125%
HK$26,055
baseline
▲ 0.50% · 4.625%
HK$27,429
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,110/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,924
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,730
−HK$819/mo
Today · 4.125%
HK$27,549
baseline
▲ 0.50% · 4.625%
HK$29,226
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$55,098/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,840
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,613
−HK$785/mo
Today · 4.125%
HK$30,398
baseline
▲ 0.50% · 4.625%
HK$32,000
+HK$1,602/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$60,796/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,331
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,367
−HK$1,054/mo
Today · 4.125%
HK$35,421
baseline
▲ 0.50% · 4.625%
HK$37,576
+HK$2,155/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,842/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,080
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,074
−HK$1,009/mo
Today · 4.125%
HK$39,083
baseline
▲ 0.50% · 4.625%
HK$41,143
+HK$2,060/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,166/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,617 · 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).