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$18,508
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,084
−HK$585/mo
Today · 4.125%
HK$19,669
baseline
▲ 0.50% · 4.625%
HK$20,866
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,338/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,590
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,143
−HK$560/mo
Today · 4.125%
HK$21,703
baseline
▲ 0.50% · 4.625%
HK$22,847
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,406/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,210
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,901
−HK$702/mo
Today · 4.125%
HK$23,603
baseline
▲ 0.50% · 4.625%
HK$25,039
+HK$1,436/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,206/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,708
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,371
−HK$672/mo
Today · 4.125%
HK$26,043
baseline
▲ 0.50% · 4.625%
HK$27,416
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,086/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,912
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,718
−HK$818/mo
Today · 4.125%
HK$27,536
baseline
▲ 0.50% · 4.625%
HK$29,212
+HK$1,676/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$55,072/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,826
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,600
−HK$784/mo
Today · 4.125%
HK$30,384
baseline
▲ 0.50% · 4.625%
HK$31,985
+HK$1,601/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$60,768/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,315
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,351
−HK$1,053/mo
Today · 4.125%
HK$35,404
baseline
▲ 0.50% · 4.625%
HK$37,558
+HK$2,154/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,808/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,063
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,057
−HK$1,008/mo
Today · 4.125%
HK$39,065
baseline
▲ 0.50% · 4.625%
HK$41,124
+HK$2,059/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,130/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,503 · 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).