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$18,592
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,170
−HK$588/mo
Today · 4.125%
HK$19,758
baseline
▲ 0.50% · 4.625%
HK$20,960
+HK$1,202/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,516/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,683
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,238
−HK$563/mo
Today · 4.125%
HK$21,801
baseline
▲ 0.50% · 4.625%
HK$22,950
+HK$1,149/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,602/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,310
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,004
−HK$705/mo
Today · 4.125%
HK$23,709
baseline
▲ 0.50% · 4.625%
HK$25,152
+HK$1,443/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,418/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,820
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,486
−HK$675/mo
Today · 4.125%
HK$26,161
baseline
▲ 0.50% · 4.625%
HK$27,540
+HK$1,379/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,322/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,029
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,838
−HK$823/mo
Today · 4.125%
HK$27,661
baseline
▲ 0.50% · 4.625%
HK$29,344
+HK$1,683/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,322/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,957
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,733
−HK$788/mo
Today · 4.125%
HK$30,521
baseline
▲ 0.50% · 4.625%
HK$32,130
+HK$1,609/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,042/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,465
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,506
−HK$1,058/mo
Today · 4.125%
HK$35,564
baseline
▲ 0.50% · 4.625%
HK$37,728
+HK$2,164/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$71,128/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,230
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,228
−HK$1,013/mo
Today · 4.125%
HK$39,241
baseline
▲ 0.50% · 4.625%
HK$41,310
+HK$2,069/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$78,482/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,603 · 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).