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$18,498
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,073
−HK$585/mo
Today · 4.125%
HK$19,658
baseline
▲ 0.50% · 4.625%
HK$20,854
+HK$1,196/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,316/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,579
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,131
−HK$559/mo
Today · 4.125%
HK$21,690
baseline
▲ 0.50% · 4.625%
HK$22,834
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,380/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,197
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,888
−HK$701/mo
Today · 4.125%
HK$23,589
baseline
▲ 0.50% · 4.625%
HK$25,025
+HK$1,436/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$47,178/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,694
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,357
−HK$672/mo
Today · 4.125%
HK$26,029
baseline
▲ 0.50% · 4.625%
HK$27,401
+HK$1,372/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$52,058/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,897
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,703
−HK$818/mo
Today · 4.125%
HK$27,521
baseline
▲ 0.50% · 4.625%
HK$29,196
+HK$1,675/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,042/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,810
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,583
−HK$784/mo
Today · 4.125%
HK$30,367
baseline
▲ 0.50% · 4.625%
HK$31,967
+HK$1,600/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,734/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,296
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,332
−HK$1,052/mo
Today · 4.125%
HK$35,384
baseline
▲ 0.50% · 4.625%
HK$37,537
+HK$2,153/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,768/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,042
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,035
−HK$1,008/mo
Today · 4.125%
HK$39,043
baseline
▲ 0.50% · 4.625%
HK$41,101
+HK$2,058/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,086/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,366 · 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).