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$18,587
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,166
−HK$587/mo
Today · 4.125%
HK$19,753
baseline
▲ 0.50% · 4.625%
HK$20,955
+HK$1,202/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,506/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,678
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,233
−HK$562/mo
Today · 4.125%
HK$21,795
baseline
▲ 0.50% · 4.625%
HK$22,944
+HK$1,149/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,590/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,305
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,999
−HK$705/mo
Today · 4.125%
HK$23,704
baseline
▲ 0.50% · 4.625%
HK$25,146
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,408/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,814
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,479
−HK$676/mo
Today · 4.125%
HK$26,155
baseline
▲ 0.50% · 4.625%
HK$27,533
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,310/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,022
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,832
−HK$822/mo
Today · 4.125%
HK$27,654
baseline
▲ 0.50% · 4.625%
HK$29,337
+HK$1,683/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,308/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,950
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,726
−HK$788/mo
Today · 4.125%
HK$30,514
baseline
▲ 0.50% · 4.625%
HK$32,122
+HK$1,608/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,028/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,457
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,498
−HK$1,057/mo
Today · 4.125%
HK$35,555
baseline
▲ 0.50% · 4.625%
HK$37,719
+HK$2,164/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$71,110/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,221
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,219
−HK$1,013/mo
Today · 4.125%
HK$39,232
baseline
▲ 0.50% · 4.625%
HK$41,300
+HK$2,068/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$78,464/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,544 · 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).