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$18,548
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,125
−HK$586/mo
Today · 4.125%
HK$19,711
baseline
▲ 0.50% · 4.625%
HK$20,910
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,422/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,634
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,188
−HK$561/mo
Today · 4.125%
HK$21,749
baseline
▲ 0.50% · 4.625%
HK$22,895
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,498/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,257
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,950
−HK$703/mo
Today · 4.125%
HK$23,653
baseline
▲ 0.50% · 4.625%
HK$25,092
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,306/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,761
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,425
−HK$674/mo
Today · 4.125%
HK$26,099
baseline
▲ 0.50% · 4.625%
HK$27,475
+HK$1,376/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,198/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,967
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,775
−HK$820/mo
Today · 4.125%
HK$27,595
baseline
▲ 0.50% · 4.625%
HK$29,274
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,190/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,888
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,663
−HK$786/mo
Today · 4.125%
HK$30,449
baseline
▲ 0.50% · 4.625%
HK$32,054
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,898/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,386
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,424
−HK$1,056/mo
Today · 4.125%
HK$35,480
baseline
▲ 0.50% · 4.625%
HK$37,638
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,960/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,142
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,138
−HK$1,010/mo
Today · 4.125%
HK$39,148
baseline
▲ 0.50% · 4.625%
HK$41,212
+HK$2,064/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,296/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,023 · 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).