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$18,557
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,134
−HK$586/mo
Today · 4.125%
HK$19,720
baseline
▲ 0.50% · 4.625%
HK$20,920
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,440/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,644
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,198
−HK$561/mo
Today · 4.125%
HK$21,759
baseline
▲ 0.50% · 4.625%
HK$22,906
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,518/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,268
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,961
−HK$703/mo
Today · 4.125%
HK$23,664
baseline
▲ 0.50% · 4.625%
HK$25,104
+HK$1,440/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$47,328/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,773
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,437
−HK$674/mo
Today · 4.125%
HK$26,111
baseline
▲ 0.50% · 4.625%
HK$27,488
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$52,222/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,979
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,787
−HK$821/mo
Today · 4.125%
HK$27,608
baseline
▲ 0.50% · 4.625%
HK$29,288
+HK$1,680/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,216/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,902
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,677
−HK$786/mo
Today · 4.125%
HK$30,463
baseline
▲ 0.50% · 4.625%
HK$32,069
+HK$1,606/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,926/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,402
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,441
−HK$1,056/mo
Today · 4.125%
HK$35,497
baseline
▲ 0.50% · 4.625%
HK$37,657
+HK$2,160/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$70,994/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,159
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,156
−HK$1,011/mo
Today · 4.125%
HK$39,167
baseline
▲ 0.50% · 4.625%
HK$41,232
+HK$2,065/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$78,334/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,140 · 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).