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$18,564
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,141
−HK$587/mo
Today · 4.125%
HK$19,728
baseline
▲ 0.50% · 4.625%
HK$20,928
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,456/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,652
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,206
−HK$562/mo
Today · 4.125%
HK$21,768
baseline
▲ 0.50% · 4.625%
HK$22,915
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,536/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,277
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,970
−HK$704/mo
Today · 4.125%
HK$23,674
baseline
▲ 0.50% · 4.625%
HK$25,114
+HK$1,440/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$47,348/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,783
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,447
−HK$674/mo
Today · 4.125%
HK$26,121
baseline
▲ 0.50% · 4.625%
HK$27,498
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$52,242/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,989
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,798
−HK$821/mo
Today · 4.125%
HK$27,619
baseline
▲ 0.50% · 4.625%
HK$29,300
+HK$1,681/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,238/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,913
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,688
−HK$787/mo
Today · 4.125%
HK$30,475
baseline
▲ 0.50% · 4.625%
HK$32,081
+HK$1,606/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,950/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,415
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,454
−HK$1,056/mo
Today · 4.125%
HK$35,510
baseline
▲ 0.50% · 4.625%
HK$37,671
+HK$2,161/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,020/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,174
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,171
−HK$1,011/mo
Today · 4.125%
HK$39,182
baseline
▲ 0.50% · 4.625%
HK$41,248
+HK$2,066/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,364/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,234 · 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).