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$18,495
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,070
−HK$584/mo
Today · 4.125%
HK$19,654
baseline
▲ 0.50% · 4.625%
HK$20,850
+HK$1,196/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,308/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,575
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,127
−HK$560/mo
Today · 4.125%
HK$21,687
baseline
▲ 0.50% · 4.625%
HK$22,830
+HK$1,143/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,374/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,193
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,884
−HK$701/mo
Today · 4.125%
HK$23,585
baseline
▲ 0.50% · 4.625%
HK$25,020
+HK$1,435/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$47,170/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,690
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,352
−HK$672/mo
Today · 4.125%
HK$26,024
baseline
▲ 0.50% · 4.625%
HK$27,396
+HK$1,372/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$52,048/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,892
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,698
−HK$818/mo
Today · 4.125%
HK$27,516
baseline
▲ 0.50% · 4.625%
HK$29,190
+HK$1,674/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,032/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,805
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,578
−HK$783/mo
Today · 4.125%
HK$30,361
baseline
▲ 0.50% · 4.625%
HK$31,962
+HK$1,601/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,722/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,290
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,326
−HK$1,052/mo
Today · 4.125%
HK$35,378
baseline
▲ 0.50% · 4.625%
HK$37,530
+HK$2,152/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,756/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,035
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,028
−HK$1,008/mo
Today · 4.125%
HK$39,036
baseline
▲ 0.50% · 4.625%
HK$41,094
+HK$2,058/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,072/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,323 · 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).