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$18,554
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,131
−HK$586/mo
Today · 4.125%
HK$19,717
baseline
▲ 0.50% · 4.625%
HK$20,917
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,434/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,641
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,194
−HK$562/mo
Today · 4.125%
HK$21,756
baseline
▲ 0.50% · 4.625%
HK$22,903
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,512/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,264
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,957
−HK$704/mo
Today · 4.125%
HK$23,661
baseline
▲ 0.50% · 4.625%
HK$25,100
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,322/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,769
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,433
−HK$674/mo
Today · 4.125%
HK$26,107
baseline
▲ 0.50% · 4.625%
HK$27,483
+HK$1,376/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,214/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,975
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,783
−HK$821/mo
Today · 4.125%
HK$27,604
baseline
▲ 0.50% · 4.625%
HK$29,284
+HK$1,680/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,208/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,897
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,672
−HK$786/mo
Today · 4.125%
HK$30,458
baseline
▲ 0.50% · 4.625%
HK$32,064
+HK$1,606/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,916/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,397
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,435
−HK$1,056/mo
Today · 4.125%
HK$35,491
baseline
▲ 0.50% · 4.625%
HK$37,650
+HK$2,159/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$70,982/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,153
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,150
−HK$1,011/mo
Today · 4.125%
HK$39,161
baseline
▲ 0.50% · 4.625%
HK$41,225
+HK$2,064/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$78,322/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,101 · 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).