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$18,561
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,138
−HK$587/mo
Today · 4.125%
HK$19,725
baseline
▲ 0.50% · 4.625%
HK$20,925
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,450/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,649
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,203
−HK$562/mo
Today · 4.125%
HK$21,765
baseline
▲ 0.50% · 4.625%
HK$22,912
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,530/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,273
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,966
−HK$704/mo
Today · 4.125%
HK$23,670
baseline
▲ 0.50% · 4.625%
HK$25,110
+HK$1,440/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$47,340/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,779
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,443
−HK$674/mo
Today · 4.125%
HK$26,117
baseline
▲ 0.50% · 4.625%
HK$27,494
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$52,234/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,985
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,794
−HK$821/mo
Today · 4.125%
HK$27,615
baseline
▲ 0.50% · 4.625%
HK$29,295
+HK$1,680/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,230/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,908
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,684
−HK$786/mo
Today · 4.125%
HK$30,470
baseline
▲ 0.50% · 4.625%
HK$32,076
+HK$1,606/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,940/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,410
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,449
−HK$1,056/mo
Today · 4.125%
HK$35,505
baseline
▲ 0.50% · 4.625%
HK$37,665
+HK$2,160/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,010/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,168
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,165
−HK$1,011/mo
Today · 4.125%
HK$39,176
baseline
▲ 0.50% · 4.625%
HK$41,241
+HK$2,065/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,352/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,197 · 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).