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$18,578
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,156
−HK$587/mo
Today · 4.125%
HK$19,743
baseline
▲ 0.50% · 4.625%
HK$20,945
+HK$1,202/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,486/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,668
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,222
−HK$563/mo
Today · 4.125%
HK$21,785
baseline
▲ 0.50% · 4.625%
HK$22,933
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,570/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,294
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,987
−HK$705/mo
Today · 4.125%
HK$23,692
baseline
▲ 0.50% · 4.625%
HK$25,133
+HK$1,441/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,384/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,802
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,467
−HK$675/mo
Today · 4.125%
HK$26,142
baseline
▲ 0.50% · 4.625%
HK$27,520
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,284/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,009
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,818
−HK$822/mo
Today · 4.125%
HK$27,640
baseline
▲ 0.50% · 4.625%
HK$29,322
+HK$1,682/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,280/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,935
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,711
−HK$788/mo
Today · 4.125%
HK$30,499
baseline
▲ 0.50% · 4.625%
HK$32,106
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,998/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,441
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,481
−HK$1,057/mo
Today · 4.125%
HK$35,538
baseline
▲ 0.50% · 4.625%
HK$37,700
+HK$2,162/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$71,076/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,202
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,200
−HK$1,012/mo
Today · 4.125%
HK$39,212
baseline
▲ 0.50% · 4.625%
HK$41,279
+HK$2,067/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$78,424/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,423 · 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).