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$18,535
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,112
−HK$586/mo
Today · 4.125%
HK$19,698
baseline
▲ 0.50% · 4.625%
HK$20,896
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,396/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,620
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,173
−HK$561/mo
Today · 4.125%
HK$21,734
baseline
▲ 0.50% · 4.625%
HK$22,880
+HK$1,146/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,468/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,242
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,934
−HK$703/mo
Today · 4.125%
HK$23,637
baseline
▲ 0.50% · 4.625%
HK$25,076
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,274/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,745
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,408
−HK$673/mo
Today · 4.125%
HK$26,081
baseline
▲ 0.50% · 4.625%
HK$27,456
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,162/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,950
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,757
−HK$820/mo
Today · 4.125%
HK$27,577
baseline
▲ 0.50% · 4.625%
HK$29,255
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,154/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,869
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,643
−HK$785/mo
Today · 4.125%
HK$30,428
baseline
▲ 0.50% · 4.625%
HK$32,032
+HK$1,604/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,856/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,364
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,401
−HK$1,055/mo
Today · 4.125%
HK$35,456
baseline
▲ 0.50% · 4.625%
HK$37,613
+HK$2,157/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,912/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,117
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,112
−HK$1,010/mo
Today · 4.125%
HK$39,122
baseline
▲ 0.50% · 4.625%
HK$41,184
+HK$2,062/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,244/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,860 · 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).