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$18,551
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,128
−HK$586/mo
Today · 4.125%
HK$19,714
baseline
▲ 0.50% · 4.625%
HK$20,914
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,428/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,638
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,191
−HK$562/mo
Today · 4.125%
HK$21,753
baseline
▲ 0.50% · 4.625%
HK$22,899
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,506/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,261
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,953
−HK$704/mo
Today · 4.125%
HK$23,657
baseline
▲ 0.50% · 4.625%
HK$25,096
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,314/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,765
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,429
−HK$674/mo
Today · 4.125%
HK$26,103
baseline
▲ 0.50% · 4.625%
HK$27,479
+HK$1,376/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,206/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,971
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,779
−HK$821/mo
Today · 4.125%
HK$27,600
baseline
▲ 0.50% · 4.625%
HK$29,279
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,200/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,893
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,668
−HK$786/mo
Today · 4.125%
HK$30,454
baseline
▲ 0.50% · 4.625%
HK$32,059
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,908/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,392
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,430
−HK$1,055/mo
Today · 4.125%
HK$35,485
baseline
▲ 0.50% · 4.625%
HK$37,645
+HK$2,160/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$70,970/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,148
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,144
−HK$1,011/mo
Today · 4.125%
HK$39,155
baseline
▲ 0.50% · 4.625%
HK$41,219
+HK$2,064/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$78,310/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,063 · 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).