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$18,541
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,117
−HK$586/mo
Today · 4.125%
HK$19,703
baseline
▲ 0.50% · 4.625%
HK$20,902
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,406/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,626
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,179
−HK$562/mo
Today · 4.125%
HK$21,741
baseline
▲ 0.50% · 4.625%
HK$22,887
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,482/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,249
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,941
−HK$703/mo
Today · 4.125%
HK$23,644
baseline
▲ 0.50% · 4.625%
HK$25,083
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,288/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,752
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,415
−HK$674/mo
Today · 4.125%
HK$26,089
baseline
▲ 0.50% · 4.625%
HK$27,464
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,178/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,957
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,764
−HK$821/mo
Today · 4.125%
HK$27,585
baseline
▲ 0.50% · 4.625%
HK$29,263
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,170/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,877
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,651
−HK$786/mo
Today · 4.125%
HK$30,437
baseline
▲ 0.50% · 4.625%
HK$32,041
+HK$1,604/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,874/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,373
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,411
−HK$1,055/mo
Today · 4.125%
HK$35,466
baseline
▲ 0.50% · 4.625%
HK$37,624
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,932/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,127
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,123
−HK$1,010/mo
Today · 4.125%
HK$39,133
baseline
▲ 0.50% · 4.625%
HK$41,196
+HK$2,063/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,266/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,929 · 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).