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$18,562
−HK$1,165/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$244,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,651
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,204
−HK$562/mo
Today · 4.125%
HK$21,766
baseline
▲ 0.50% · 4.625%
HK$22,914
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,532/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,216 · 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$25,112
+HK$1,440/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$244,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,781
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,445
−HK$674/mo
Today · 4.125%
HK$26,119
baseline
▲ 0.50% · 4.625%
HK$27,496
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$52,238/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,987
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,796
−HK$821/mo
Today · 4.125%
HK$27,617
baseline
▲ 0.50% · 4.625%
HK$29,298
+HK$1,681/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,234/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,911
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,686
−HK$787/mo
Today · 4.125%
HK$30,473
baseline
▲ 0.50% · 4.625%
HK$32,079
+HK$1,606/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$244,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,412
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,452
−HK$1,056/mo
Today · 4.125%
HK$35,508
baseline
▲ 0.50% · 4.625%
HK$37,668
+HK$2,160/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$244,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,171
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,168
−HK$1,011/mo
Today · 4.125%
HK$39,179
baseline
▲ 0.50% · 4.625%
HK$41,244
+HK$2,065/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,358/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,216 · 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).