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$18,565
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,143
−HK$586/mo
Today · 4.125%
HK$19,729
baseline
▲ 0.50% · 4.625%
HK$20,930
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,458/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,653
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,207
−HK$562/mo
Today · 4.125%
HK$21,769
baseline
▲ 0.50% · 4.625%
HK$22,917
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,538/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,278
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,971
−HK$704/mo
Today · 4.125%
HK$23,675
baseline
▲ 0.50% · 4.625%
HK$25,116
+HK$1,441/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$47,350/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,784
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,449
−HK$674/mo
Today · 4.125%
HK$26,123
baseline
▲ 0.50% · 4.625%
HK$27,500
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$52,246/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,991
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,800
−HK$821/mo
Today · 4.125%
HK$27,621
baseline
▲ 0.50% · 4.625%
HK$29,302
+HK$1,681/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,242/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,915
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,690
−HK$787/mo
Today · 4.125%
HK$30,477
baseline
▲ 0.50% · 4.625%
HK$32,083
+HK$1,606/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,954/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,417
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,457
−HK$1,056/mo
Today · 4.125%
HK$35,513
baseline
▲ 0.50% · 4.625%
HK$37,674
+HK$2,161/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,026/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,176
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,173
−HK$1,012/mo
Today · 4.125%
HK$39,185
baseline
▲ 0.50% · 4.625%
HK$41,250
+HK$2,065/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,370/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,250 · 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).