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$18,526
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,102
−HK$586/mo
Today · 4.125%
HK$19,688
baseline
▲ 0.50% · 4.625%
HK$20,886
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,376/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,610
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,163
−HK$560/mo
Today · 4.125%
HK$21,723
baseline
▲ 0.50% · 4.625%
HK$22,868
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,446/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,231
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,923
−HK$702/mo
Today · 4.125%
HK$23,625
baseline
▲ 0.50% · 4.625%
HK$25,063
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,250/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,732
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,395
−HK$673/mo
Today · 4.125%
HK$26,068
baseline
▲ 0.50% · 4.625%
HK$27,442
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,136/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,936
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,743
−HK$820/mo
Today · 4.125%
HK$27,563
baseline
▲ 0.50% · 4.625%
HK$29,240
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,126/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,854
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,628
−HK$785/mo
Today · 4.125%
HK$30,413
baseline
▲ 0.50% · 4.625%
HK$32,016
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,826/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,347
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,384
−HK$1,054/mo
Today · 4.125%
HK$35,438
baseline
▲ 0.50% · 4.625%
HK$37,594
+HK$2,156/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,876/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,098
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,093
−HK$1,009/mo
Today · 4.125%
HK$39,102
baseline
▲ 0.50% · 4.625%
HK$41,163
+HK$2,061/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,204/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,735 · 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).