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$18,534
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,110
−HK$586/mo
Today · 4.125%
HK$19,696
baseline
▲ 0.50% · 4.625%
HK$20,895
+HK$1,199/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,392/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,619
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,172
−HK$561/mo
Today · 4.125%
HK$21,733
baseline
▲ 0.50% · 4.625%
HK$22,878
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,466/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,241
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,933
−HK$702/mo
Today · 4.125%
HK$23,635
baseline
▲ 0.50% · 4.625%
HK$25,074
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,270/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,743
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,406
−HK$673/mo
Today · 4.125%
HK$26,079
baseline
▲ 0.50% · 4.625%
HK$27,454
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,158/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,948
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,755
−HK$820/mo
Today · 4.125%
HK$27,575
baseline
▲ 0.50% · 4.625%
HK$29,253
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,150/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,866
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,641
−HK$785/mo
Today · 4.125%
HK$30,426
baseline
▲ 0.50% · 4.625%
HK$32,030
+HK$1,604/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,852/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,361
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,399
−HK$1,054/mo
Today · 4.125%
HK$35,453
baseline
▲ 0.50% · 4.625%
HK$37,610
+HK$2,157/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,906/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,114
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,109
−HK$1,010/mo
Today · 4.125%
HK$39,119
baseline
▲ 0.50% · 4.625%
HK$41,181
+HK$2,062/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,238/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,841 · 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).