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$18,616
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,195
−HK$588/mo
Today · 4.125%
HK$19,783
baseline
▲ 0.50% · 4.625%
HK$20,987
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,566/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,710
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,265
−HK$563/mo
Today · 4.125%
HK$21,828
baseline
▲ 0.50% · 4.625%
HK$22,979
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,656/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,339
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,034
−HK$705/mo
Today · 4.125%
HK$23,739
baseline
▲ 0.50% · 4.625%
HK$25,184
+HK$1,445/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,478/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,852
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,518
−HK$676/mo
Today · 4.125%
HK$26,194
baseline
▲ 0.50% · 4.625%
HK$27,575
+HK$1,381/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,388/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,062
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,872
−HK$824/mo
Today · 4.125%
HK$27,696
baseline
▲ 0.50% · 4.625%
HK$29,381
+HK$1,685/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,392/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,993
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,771
−HK$789/mo
Today · 4.125%
HK$30,560
baseline
▲ 0.50% · 4.625%
HK$32,171
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,120/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,508
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,550
−HK$1,059/mo
Today · 4.125%
HK$35,609
baseline
▲ 0.50% · 4.625%
HK$37,776
+HK$2,167/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$71,218/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,277
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,277
−HK$1,014/mo
Today · 4.125%
HK$39,291
baseline
▲ 0.50% · 4.625%
HK$41,362
+HK$2,071/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$78,582/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,914 · 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).