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$18,619
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,198
−HK$588/mo
Today · 4.125%
HK$19,786
baseline
▲ 0.50% · 4.625%
HK$20,990
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,572/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,713
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,269
−HK$563/mo
Today · 4.125%
HK$21,832
baseline
▲ 0.50% · 4.625%
HK$22,983
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,664/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,342
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,037
−HK$707/mo
Today · 4.125%
HK$23,744
baseline
▲ 0.50% · 4.625%
HK$25,188
+HK$1,444/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,488/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,856
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,522
−HK$677/mo
Today · 4.125%
HK$26,199
baseline
▲ 0.50% · 4.625%
HK$27,580
+HK$1,381/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,398/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,066
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,877
−HK$824/mo
Today · 4.125%
HK$27,701
baseline
▲ 0.50% · 4.625%
HK$29,386
+HK$1,685/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,402/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,998
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,776
−HK$789/mo
Today · 4.125%
HK$30,565
baseline
▲ 0.50% · 4.625%
HK$32,176
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,130/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,514
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,556
−HK$1,059/mo
Today · 4.125%
HK$35,615
baseline
▲ 0.50% · 4.625%
HK$37,782
+HK$2,167/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,230/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,284
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,284
−HK$1,014/mo
Today · 4.125%
HK$39,298
baseline
▲ 0.50% · 4.625%
HK$41,369
+HK$2,071/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,596/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,956 · 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).