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$18,581
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,159
−HK$587/mo
Today · 4.125%
HK$19,746
baseline
▲ 0.50% · 4.625%
HK$20,947
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,492/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,671
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,225
−HK$563/mo
Today · 4.125%
HK$21,788
baseline
▲ 0.50% · 4.625%
HK$22,936
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,576/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,297
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,990
−HK$705/mo
Today · 4.125%
HK$23,695
baseline
▲ 0.50% · 4.625%
HK$25,137
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,390/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,805
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,470
−HK$675/mo
Today · 4.125%
HK$26,145
baseline
▲ 0.50% · 4.625%
HK$27,523
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,290/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,013
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,822
−HK$822/mo
Today · 4.125%
HK$27,644
baseline
▲ 0.50% · 4.625%
HK$29,326
+HK$1,682/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,288/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,939
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,715
−HK$788/mo
Today · 4.125%
HK$30,503
baseline
▲ 0.50% · 4.625%
HK$32,110
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$61,006/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,445
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,486
−HK$1,057/mo
Today · 4.125%
HK$35,543
baseline
▲ 0.50% · 4.625%
HK$37,705
+HK$2,162/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$71,086/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,207
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,205
−HK$1,013/mo
Today · 4.125%
HK$39,218
baseline
▲ 0.50% · 4.625%
HK$41,285
+HK$2,067/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$78,436/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,456 · 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).