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$18,607
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,186
−HK$588/mo
Today · 4.125%
HK$19,774
baseline
▲ 0.50% · 4.625%
HK$20,977
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,548/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,700
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,255
−HK$563/mo
Today · 4.125%
HK$21,818
baseline
▲ 0.50% · 4.625%
HK$22,968
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,636/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,328
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,023
−HK$705/mo
Today · 4.125%
HK$23,728
baseline
▲ 0.50% · 4.625%
HK$25,172
+HK$1,444/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$47,456/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,840
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,506
−HK$676/mo
Today · 4.125%
HK$26,182
baseline
▲ 0.50% · 4.625%
HK$27,562
+HK$1,380/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$52,364/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,049
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,860
−HK$823/mo
Today · 4.125%
HK$27,683
baseline
▲ 0.50% · 4.625%
HK$29,367
+HK$1,684/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,366/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,980
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,757
−HK$788/mo
Today · 4.125%
HK$30,545
baseline
▲ 0.50% · 4.625%
HK$32,156
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,090/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,492
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,534
−HK$1,058/mo
Today · 4.125%
HK$35,592
baseline
▲ 0.50% · 4.625%
HK$37,758
+HK$2,166/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,184/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,260
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,259
−HK$1,014/mo
Today · 4.125%
HK$39,273
baseline
▲ 0.50% · 4.625%
HK$41,343
+HK$2,070/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,546/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,798 · 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).