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$18,544
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,121
−HK$586/mo
Today · 4.125%
HK$19,707
baseline
▲ 0.50% · 4.625%
HK$20,906
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,414/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,630
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,184
−HK$561/mo
Today · 4.125%
HK$21,745
baseline
▲ 0.50% · 4.625%
HK$22,891
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,490/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,253
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,945
−HK$704/mo
Today · 4.125%
HK$23,649
baseline
▲ 0.50% · 4.625%
HK$25,088
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,298/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,757
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,421
−HK$673/mo
Today · 4.125%
HK$26,094
baseline
▲ 0.50% · 4.625%
HK$27,470
+HK$1,376/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,188/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,962
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,770
−HK$820/mo
Today · 4.125%
HK$27,590
baseline
▲ 0.50% · 4.625%
HK$29,269
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,180/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,883
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,657
−HK$786/mo
Today · 4.125%
HK$30,443
baseline
▲ 0.50% · 4.625%
HK$32,048
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,886/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,380
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,418
−HK$1,055/mo
Today · 4.125%
HK$35,473
baseline
▲ 0.50% · 4.625%
HK$37,632
+HK$2,159/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,946/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,135
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,131
−HK$1,010/mo
Today · 4.125%
HK$39,141
baseline
▲ 0.50% · 4.625%
HK$41,204
+HK$2,063/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,282/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,978 · 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).