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$18,505
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,081
−HK$584/mo
Today · 4.125%
HK$19,665
baseline
▲ 0.50% · 4.625%
HK$20,862
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,330/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,587
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,139
−HK$560/mo
Today · 4.125%
HK$21,699
baseline
▲ 0.50% · 4.625%
HK$22,843
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,398/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,206
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,897
−HK$702/mo
Today · 4.125%
HK$23,599
baseline
▲ 0.50% · 4.625%
HK$25,034
+HK$1,435/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,198/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,704
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,367
−HK$672/mo
Today · 4.125%
HK$26,039
baseline
▲ 0.50% · 4.625%
HK$27,411
+HK$1,372/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,078/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,907
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,713
−HK$819/mo
Today · 4.125%
HK$27,532
baseline
▲ 0.50% · 4.625%
HK$29,207
+HK$1,675/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,064/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,821
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,594
−HK$784/mo
Today · 4.125%
HK$30,378
baseline
▲ 0.50% · 4.625%
HK$31,980
+HK$1,602/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,756/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,309
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,345
−HK$1,053/mo
Today · 4.125%
HK$35,398
baseline
▲ 0.50% · 4.625%
HK$37,552
+HK$2,154/mo
Deposit HK$812K · loan HK$7.30M · min. income ≈ HK$70,796/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,056
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,050
−HK$1,008/mo
Today · 4.125%
HK$39,058
baseline
▲ 0.50% · 4.625%
HK$41,117
+HK$2,059/mo
Deposit HK$812K · loan HK$7.30M · min. income ≈ HK$78,116/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,460 · 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).