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$18,540
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,116
−HK$586/mo
Today · 4.125%
HK$19,702
baseline
▲ 0.50% · 4.625%
HK$20,901
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,404/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,625
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,178
−HK$561/mo
Today · 4.125%
HK$21,739
baseline
▲ 0.50% · 4.625%
HK$22,885
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,478/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,247
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,939
−HK$704/mo
Today · 4.125%
HK$23,643
baseline
▲ 0.50% · 4.625%
HK$25,081
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,286/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,750
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,414
−HK$673/mo
Today · 4.125%
HK$26,087
baseline
▲ 0.50% · 4.625%
HK$27,462
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,174/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,955
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,763
−HK$820/mo
Today · 4.125%
HK$27,583
baseline
▲ 0.50% · 4.625%
HK$29,261
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,166/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,875
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,649
−HK$786/mo
Today · 4.125%
HK$30,435
baseline
▲ 0.50% · 4.625%
HK$32,039
+HK$1,604/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,870/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,371
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,409
−HK$1,055/mo
Today · 4.125%
HK$35,464
baseline
▲ 0.50% · 4.625%
HK$37,622
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,928/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,125
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,121
−HK$1,010/mo
Today · 4.125%
HK$39,131
baseline
▲ 0.50% · 4.625%
HK$41,193
+HK$2,062/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,262/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,914 · 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).