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$18,489
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,064
−HK$584/mo
Today · 4.125%
HK$19,648
baseline
▲ 0.50% · 4.625%
HK$20,844
+HK$1,196/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,296/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,569
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,121
−HK$559/mo
Today · 4.125%
HK$21,680
baseline
▲ 0.50% · 4.625%
HK$22,823
+HK$1,143/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,360/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,187
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,877
−HK$701/mo
Today · 4.125%
HK$23,578
baseline
▲ 0.50% · 4.625%
HK$25,013
+HK$1,435/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,156/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,683
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,345
−HK$671/mo
Today · 4.125%
HK$26,016
baseline
▲ 0.50% · 4.625%
HK$27,388
+HK$1,372/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,032/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,885
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,690
−HK$818/mo
Today · 4.125%
HK$27,508
baseline
▲ 0.50% · 4.625%
HK$29,182
+HK$1,674/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,016/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,796
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,569
−HK$783/mo
Today · 4.125%
HK$30,352
baseline
▲ 0.50% · 4.625%
HK$31,952
+HK$1,600/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,704/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,280
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,315
−HK$1,052/mo
Today · 4.125%
HK$35,367
baseline
▲ 0.50% · 4.625%
HK$37,519
+HK$2,152/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,734/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,024
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,017
−HK$1,007/mo
Today · 4.125%
HK$39,024
baseline
▲ 0.50% · 4.625%
HK$41,081
+HK$2,057/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,048/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,250 · 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).