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$18,555
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,132
−HK$586/mo
Today · 4.125%
HK$19,718
baseline
▲ 0.50% · 4.625%
HK$20,918
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,436/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,642
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,195
−HK$562/mo
Today · 4.125%
HK$21,757
baseline
▲ 0.50% · 4.625%
HK$22,904
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,514/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,266
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,958
−HK$704/mo
Today · 4.125%
HK$23,662
baseline
▲ 0.50% · 4.625%
HK$25,102
+HK$1,440/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,324/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,770
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,435
−HK$674/mo
Today · 4.125%
HK$26,109
baseline
▲ 0.50% · 4.625%
HK$27,485
+HK$1,376/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,218/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,977
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,785
−HK$820/mo
Today · 4.125%
HK$27,605
baseline
▲ 0.50% · 4.625%
HK$29,285
+HK$1,680/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,210/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,899
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,674
−HK$786/mo
Today · 4.125%
HK$30,460
baseline
▲ 0.50% · 4.625%
HK$32,066
+HK$1,606/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,920/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,398
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,437
−HK$1,056/mo
Today · 4.125%
HK$35,493
baseline
▲ 0.50% · 4.625%
HK$37,652
+HK$2,159/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$70,986/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,155
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,152
−HK$1,011/mo
Today · 4.125%
HK$39,163
baseline
▲ 0.50% · 4.625%
HK$41,227
+HK$2,064/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$78,326/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,113 · 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).