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$18,588
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,166
−HK$588/mo
Today · 4.125%
HK$19,754
baseline
▲ 0.50% · 4.625%
HK$20,956
+HK$1,202/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,508/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,679
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,234
−HK$562/mo
Today · 4.125%
HK$21,796
baseline
▲ 0.50% · 4.625%
HK$22,945
+HK$1,149/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,592/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,306
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,000
−HK$705/mo
Today · 4.125%
HK$23,705
baseline
▲ 0.50% · 4.625%
HK$25,147
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,410/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,815
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,480
−HK$676/mo
Today · 4.125%
HK$26,156
baseline
▲ 0.50% · 4.625%
HK$27,534
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,312/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,023
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,833
−HK$822/mo
Today · 4.125%
HK$27,655
baseline
▲ 0.50% · 4.625%
HK$29,338
+HK$1,683/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,310/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,951
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,727
−HK$788/mo
Today · 4.125%
HK$30,515
baseline
▲ 0.50% · 4.625%
HK$32,123
+HK$1,608/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,030/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,459
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,499
−HK$1,058/mo
Today · 4.125%
HK$35,557
baseline
▲ 0.50% · 4.625%
HK$37,720
+HK$2,163/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$71,114/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,222
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,221
−HK$1,012/mo
Today · 4.125%
HK$39,233
baseline
▲ 0.50% · 4.625%
HK$41,301
+HK$2,068/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$78,466/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,554 · 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).