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$18,563
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,140
−HK$587/mo
Today · 4.125%
HK$19,727
baseline
▲ 0.50% · 4.625%
HK$20,927
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,454/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,651
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,205
−HK$562/mo
Today · 4.125%
HK$21,767
baseline
▲ 0.50% · 4.625%
HK$22,914
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,534/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,275
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,968
−HK$704/mo
Today · 4.125%
HK$23,672
baseline
▲ 0.50% · 4.625%
HK$25,113
+HK$1,441/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$47,344/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,781
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,446
−HK$674/mo
Today · 4.125%
HK$26,120
baseline
▲ 0.50% · 4.625%
HK$27,497
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$52,240/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,988
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,796
−HK$822/mo
Today · 4.125%
HK$27,618
baseline
▲ 0.50% · 4.625%
HK$29,298
+HK$1,680/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,236/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,911
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,687
−HK$786/mo
Today · 4.125%
HK$30,473
baseline
▲ 0.50% · 4.625%
HK$32,080
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,946/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,413
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,452
−HK$1,056/mo
Today · 4.125%
HK$35,508
baseline
▲ 0.50% · 4.625%
HK$37,669
+HK$2,161/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,016/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,172
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,169
−HK$1,011/mo
Today · 4.125%
HK$39,180
baseline
▲ 0.50% · 4.625%
HK$41,245
+HK$2,065/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,360/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,220 · 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).