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$18,599
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,178
−HK$587/mo
Today · 4.125%
HK$19,765
baseline
▲ 0.50% · 4.625%
HK$20,968
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,530/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,691
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,246
−HK$563/mo
Today · 4.125%
HK$21,809
baseline
▲ 0.50% · 4.625%
HK$22,959
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,618/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,319
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,013
−HK$706/mo
Today · 4.125%
HK$23,719
baseline
▲ 0.50% · 4.625%
HK$25,162
+HK$1,443/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,438/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,830
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,496
−HK$675/mo
Today · 4.125%
HK$26,171
baseline
▲ 0.50% · 4.625%
HK$27,551
+HK$1,380/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,342/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,039
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,849
−HK$823/mo
Today · 4.125%
HK$27,672
baseline
▲ 0.50% · 4.625%
HK$29,355
+HK$1,683/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,344/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,968
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,745
−HK$788/mo
Today · 4.125%
HK$30,533
baseline
▲ 0.50% · 4.625%
HK$32,142
+HK$1,609/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,066/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,478
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,520
−HK$1,058/mo
Today · 4.125%
HK$35,578
baseline
▲ 0.50% · 4.625%
HK$37,743
+HK$2,165/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,156/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,244
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,243
−HK$1,014/mo
Today · 4.125%
HK$39,257
baseline
▲ 0.50% · 4.625%
HK$41,326
+HK$2,069/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,514/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,699 · 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).