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$18,546
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,122
−HK$587/mo
Today · 4.125%
HK$19,709
baseline
▲ 0.50% · 4.625%
HK$20,908
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,418/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,632
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,185
−HK$561/mo
Today · 4.125%
HK$21,746
baseline
▲ 0.50% · 4.625%
HK$22,893
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,492/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,255
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,947
−HK$703/mo
Today · 4.125%
HK$23,650
baseline
▲ 0.50% · 4.625%
HK$25,089
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,300/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,758
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,422
−HK$674/mo
Today · 4.125%
HK$26,096
baseline
▲ 0.50% · 4.625%
HK$27,471
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,192/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,964
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,771
−HK$821/mo
Today · 4.125%
HK$27,592
baseline
▲ 0.50% · 4.625%
HK$29,271
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,184/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,885
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,659
−HK$786/mo
Today · 4.125%
HK$30,445
baseline
▲ 0.50% · 4.625%
HK$32,050
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,890/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,382
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,420
−HK$1,055/mo
Today · 4.125%
HK$35,475
baseline
▲ 0.50% · 4.625%
HK$37,634
+HK$2,159/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,950/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,137
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,133
−HK$1,011/mo
Today · 4.125%
HK$39,144
baseline
▲ 0.50% · 4.625%
HK$41,207
+HK$2,063/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,288/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,994 · 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).