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$18,486
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,061
−HK$584/mo
Today · 4.125%
HK$19,645
baseline
▲ 0.50% · 4.625%
HK$20,840
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,290/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,565
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,117
−HK$559/mo
Today · 4.125%
HK$21,676
baseline
▲ 0.50% · 4.625%
HK$22,819
+HK$1,143/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,352/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,183
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,873
−HK$701/mo
Today · 4.125%
HK$23,574
baseline
▲ 0.50% · 4.625%
HK$25,009
+HK$1,435/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,148/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,678
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,340
−HK$672/mo
Today · 4.125%
HK$26,012
baseline
▲ 0.50% · 4.625%
HK$27,383
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,024/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,880
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,685
−HK$818/mo
Today · 4.125%
HK$27,503
baseline
▲ 0.50% · 4.625%
HK$29,177
+HK$1,674/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$55,006/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,791
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,564
−HK$783/mo
Today · 4.125%
HK$30,347
baseline
▲ 0.50% · 4.625%
HK$31,947
+HK$1,600/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,694/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,275
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,310
−HK$1,051/mo
Today · 4.125%
HK$35,361
baseline
▲ 0.50% · 4.625%
HK$37,513
+HK$2,152/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,722/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,018
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,010
−HK$1,008/mo
Today · 4.125%
HK$39,018
baseline
▲ 0.50% · 4.625%
HK$41,074
+HK$2,056/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,036/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,208 · 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).