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$18,608
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,187
−HK$588/mo
Today · 4.125%
HK$19,775
baseline
▲ 0.50% · 4.625%
HK$20,978
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,550/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,701
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,256
−HK$564/mo
Today · 4.125%
HK$21,820
baseline
▲ 0.50% · 4.625%
HK$22,970
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,640/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,330
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,024
−HK$706/mo
Today · 4.125%
HK$23,730
baseline
▲ 0.50% · 4.625%
HK$25,174
+HK$1,444/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$47,460/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,841
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,508
−HK$675/mo
Today · 4.125%
HK$26,183
baseline
▲ 0.50% · 4.625%
HK$27,564
+HK$1,381/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$52,366/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,051
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,861
−HK$824/mo
Today · 4.125%
HK$27,685
baseline
▲ 0.50% · 4.625%
HK$29,369
+HK$1,684/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,370/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,982
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,759
−HK$788/mo
Today · 4.125%
HK$30,547
baseline
▲ 0.50% · 4.625%
HK$32,158
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,094/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,494
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,536
−HK$1,059/mo
Today · 4.125%
HK$35,595
baseline
▲ 0.50% · 4.625%
HK$37,761
+HK$2,166/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,190/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,262
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,261
−HK$1,014/mo
Today · 4.125%
HK$39,275
baseline
▲ 0.50% · 4.625%
HK$41,345
+HK$2,070/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,550/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,814 · 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).