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$18,519
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,095
−HK$586/mo
Today · 4.125%
HK$19,681
baseline
▲ 0.50% · 4.625%
HK$20,878
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,362/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,603
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,155
−HK$561/mo
Today · 4.125%
HK$21,716
baseline
▲ 0.50% · 4.625%
HK$22,860
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,432/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,223
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,914
−HK$703/mo
Today · 4.125%
HK$23,617
baseline
▲ 0.50% · 4.625%
HK$25,054
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,234/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,723
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,386
−HK$673/mo
Today · 4.125%
HK$26,059
baseline
▲ 0.50% · 4.625%
HK$27,432
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,118/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,927
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,733
−HK$820/mo
Today · 4.125%
HK$27,553
baseline
▲ 0.50% · 4.625%
HK$29,229
+HK$1,676/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,106/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,844
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,617
−HK$785/mo
Today · 4.125%
HK$30,402
baseline
▲ 0.50% · 4.625%
HK$32,004
+HK$1,602/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,804/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,335
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,372
−HK$1,053/mo
Today · 4.125%
HK$35,425
baseline
▲ 0.50% · 4.625%
HK$37,581
+HK$2,156/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,850/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,085
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,079
−HK$1,009/mo
Today · 4.125%
HK$39,088
baseline
▲ 0.50% · 4.625%
HK$41,149
+HK$2,061/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,176/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,648 · 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).