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$18,569
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,147
−HK$587/mo
Today · 4.125%
HK$19,734
baseline
▲ 0.50% · 4.625%
HK$20,934
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,468/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,658
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,212
−HK$562/mo
Today · 4.125%
HK$21,774
baseline
▲ 0.50% · 4.625%
HK$22,922
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,548/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,283
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,976
−HK$704/mo
Today · 4.125%
HK$23,680
baseline
▲ 0.50% · 4.625%
HK$25,121
+HK$1,441/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,360/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,790
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,454
−HK$675/mo
Today · 4.125%
HK$26,129
baseline
▲ 0.50% · 4.625%
HK$27,506
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,258/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,997
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,805
−HK$822/mo
Today · 4.125%
HK$27,627
baseline
▲ 0.50% · 4.625%
HK$29,308
+HK$1,681/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,254/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,921
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,697
−HK$787/mo
Today · 4.125%
HK$30,484
baseline
▲ 0.50% · 4.625%
HK$32,091
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,968/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,425
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,464
−HK$1,057/mo
Today · 4.125%
HK$35,521
baseline
▲ 0.50% · 4.625%
HK$37,682
+HK$2,161/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,042/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,184
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,182
−HK$1,011/mo
Today · 4.125%
HK$39,193
baseline
▲ 0.50% · 4.625%
HK$41,259
+HK$2,066/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,386/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,304 · 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).