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$18,537
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,114
−HK$586/mo
Today · 4.125%
HK$19,700
baseline
▲ 0.50% · 4.625%
HK$20,898
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,400/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,622
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,176
−HK$561/mo
Today · 4.125%
HK$21,737
baseline
▲ 0.50% · 4.625%
HK$22,882
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,474/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,245
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,937
−HK$703/mo
Today · 4.125%
HK$23,640
baseline
▲ 0.50% · 4.625%
HK$25,078
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,280/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,747
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,411
−HK$673/mo
Today · 4.125%
HK$26,084
baseline
▲ 0.50% · 4.625%
HK$27,459
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,168/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,952
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,759
−HK$821/mo
Today · 4.125%
HK$27,580
baseline
▲ 0.50% · 4.625%
HK$29,258
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,160/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,871
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,646
−HK$785/mo
Today · 4.125%
HK$30,431
baseline
▲ 0.50% · 4.625%
HK$32,035
+HK$1,604/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,862/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,367
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,405
−HK$1,054/mo
Today · 4.125%
HK$35,459
baseline
▲ 0.50% · 4.625%
HK$37,617
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,918/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,120
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,116
−HK$1,010/mo
Today · 4.125%
HK$39,126
baseline
▲ 0.50% · 4.625%
HK$41,188
+HK$2,062/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,252/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,884 · 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).