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$18,516
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,092
−HK$585/mo
Today · 4.125%
HK$19,677
baseline
▲ 0.50% · 4.625%
HK$20,875
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,354/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,599
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,151
−HK$561/mo
Today · 4.125%
HK$21,712
baseline
▲ 0.50% · 4.625%
HK$22,856
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,424/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,219
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,911
−HK$702/mo
Today · 4.125%
HK$23,613
baseline
▲ 0.50% · 4.625%
HK$25,050
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,226/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,719
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,382
−HK$672/mo
Today · 4.125%
HK$26,054
baseline
▲ 0.50% · 4.625%
HK$27,428
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,108/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,923
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,729
−HK$819/mo
Today · 4.125%
HK$27,548
baseline
▲ 0.50% · 4.625%
HK$29,224
+HK$1,676/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$55,096/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,839
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,612
−HK$785/mo
Today · 4.125%
HK$30,397
baseline
▲ 0.50% · 4.625%
HK$31,999
+HK$1,602/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$60,794/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,329
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,366
−HK$1,053/mo
Today · 4.125%
HK$35,419
baseline
▲ 0.50% · 4.625%
HK$37,574
+HK$2,155/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,838/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,078
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,073
−HK$1,008/mo
Today · 4.125%
HK$39,081
baseline
▲ 0.50% · 4.625%
HK$41,142
+HK$2,061/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,162/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,607 · 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).