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$18,568
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,145
−HK$587/mo
Today · 4.125%
HK$19,732
baseline
▲ 0.50% · 4.625%
HK$20,933
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,464/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,656
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,210
−HK$562/mo
Today · 4.125%
HK$21,772
baseline
▲ 0.50% · 4.625%
HK$22,920
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,544/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,281
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,974
−HK$704/mo
Today · 4.125%
HK$23,678
baseline
▲ 0.50% · 4.625%
HK$25,119
+HK$1,441/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,356/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,787
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,452
−HK$675/mo
Today · 4.125%
HK$26,127
baseline
▲ 0.50% · 4.625%
HK$27,504
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,254/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,995
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,803
−HK$822/mo
Today · 4.125%
HK$27,625
baseline
▲ 0.50% · 4.625%
HK$29,306
+HK$1,681/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,250/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,919
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,694
−HK$787/mo
Today · 4.125%
HK$30,481
baseline
▲ 0.50% · 4.625%
HK$32,088
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,962/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,422
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,461
−HK$1,056/mo
Today · 4.125%
HK$35,517
baseline
▲ 0.50% · 4.625%
HK$37,679
+HK$2,162/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,034/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,181
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,178
−HK$1,012/mo
Today · 4.125%
HK$39,190
baseline
▲ 0.50% · 4.625%
HK$41,256
+HK$2,066/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,380/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,283 · 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).