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$18,483
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,058
−HK$585/mo
Today · 4.125%
HK$19,643
baseline
▲ 0.50% · 4.625%
HK$20,838
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,286/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,563
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,114
−HK$560/mo
Today · 4.125%
HK$21,674
baseline
▲ 0.50% · 4.625%
HK$22,816
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,348/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,180
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,870
−HK$701/mo
Today · 4.125%
HK$23,571
baseline
▲ 0.50% · 4.625%
HK$25,005
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,142/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,675
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,337
−HK$671/mo
Today · 4.125%
HK$26,008
baseline
▲ 0.50% · 4.625%
HK$27,379
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,016/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,877
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,682
−HK$818/mo
Today · 4.125%
HK$27,500
baseline
▲ 0.50% · 4.625%
HK$29,173
+HK$1,673/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$55,000/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,788
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,560
−HK$783/mo
Today · 4.125%
HK$30,343
baseline
▲ 0.50% · 4.625%
HK$31,942
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,686/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,270
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,305
−HK$1,052/mo
Today · 4.125%
HK$35,357
baseline
▲ 0.50% · 4.625%
HK$37,508
+HK$2,151/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,714/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,013
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$38,005
−HK$1,007/mo
Today · 4.125%
HK$39,012
baseline
▲ 0.50% · 4.625%
HK$41,069
+HK$2,057/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,024/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,176 · 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).