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$18,600
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,179
−HK$588/mo
Today · 4.125%
HK$19,767
baseline
▲ 0.50% · 4.625%
HK$20,969
+HK$1,202/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,534/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,693
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,248
−HK$563/mo
Today · 4.125%
HK$21,811
baseline
▲ 0.50% · 4.625%
HK$22,960
+HK$1,149/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,622/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,320
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,015
−HK$705/mo
Today · 4.125%
HK$23,720
baseline
▲ 0.50% · 4.625%
HK$25,163
+HK$1,443/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,440/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,831
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,497
−HK$676/mo
Today · 4.125%
HK$26,173
baseline
▲ 0.50% · 4.625%
HK$27,552
+HK$1,379/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,346/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,040
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,850
−HK$823/mo
Today · 4.125%
HK$27,673
baseline
▲ 0.50% · 4.625%
HK$29,357
+HK$1,684/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,346/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,970
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,747
−HK$788/mo
Today · 4.125%
HK$30,535
baseline
▲ 0.50% · 4.625%
HK$32,144
+HK$1,609/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,070/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,481
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,522
−HK$1,058/mo
Today · 4.125%
HK$35,580
baseline
▲ 0.50% · 4.625%
HK$37,745
+HK$2,165/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,160/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,247
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,246
−HK$1,013/mo
Today · 4.125%
HK$39,259
baseline
▲ 0.50% · 4.625%
HK$41,329
+HK$2,070/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,518/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,714 · 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).