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$18,527
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,103
−HK$586/mo
Today · 4.125%
HK$19,689
baseline
▲ 0.50% · 4.625%
HK$20,887
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,378/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,611
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,164
−HK$561/mo
Today · 4.125%
HK$21,725
baseline
▲ 0.50% · 4.625%
HK$22,870
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,450/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,232
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,924
−HK$703/mo
Today · 4.125%
HK$23,627
baseline
▲ 0.50% · 4.625%
HK$25,064
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,254/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,733
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,397
−HK$673/mo
Today · 4.125%
HK$26,070
baseline
▲ 0.50% · 4.625%
HK$27,444
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,140/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,938
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,745
−HK$819/mo
Today · 4.125%
HK$27,564
baseline
▲ 0.50% · 4.625%
HK$29,242
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,128/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,856
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,629
−HK$786/mo
Today · 4.125%
HK$30,415
baseline
▲ 0.50% · 4.625%
HK$32,018
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,830/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,349
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,386
−HK$1,054/mo
Today · 4.125%
HK$35,440
baseline
▲ 0.50% · 4.625%
HK$37,596
+HK$2,156/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,880/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,100
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,095
−HK$1,009/mo
Today · 4.125%
HK$39,104
baseline
▲ 0.50% · 4.625%
HK$41,166
+HK$2,062/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,208/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,750 · 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).