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$18,542
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,119
−HK$586/mo
Today · 4.125%
HK$19,705
baseline
▲ 0.50% · 4.625%
HK$20,904
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,410/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,628
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,181
−HK$561/mo
Today · 4.125%
HK$21,742
baseline
▲ 0.50% · 4.625%
HK$22,888
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,484/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,250
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,943
−HK$703/mo
Today · 4.125%
HK$23,646
baseline
▲ 0.50% · 4.625%
HK$25,084
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,292/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,753
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,417
−HK$674/mo
Today · 4.125%
HK$26,091
baseline
▲ 0.50% · 4.625%
HK$27,466
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,182/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,959
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,766
−HK$821/mo
Today · 4.125%
HK$27,587
baseline
▲ 0.50% · 4.625%
HK$29,265
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,174/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,879
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,653
−HK$786/mo
Today · 4.125%
HK$30,439
baseline
▲ 0.50% · 4.625%
HK$32,044
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,878/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,376
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,414
−HK$1,055/mo
Today · 4.125%
HK$35,469
baseline
▲ 0.50% · 4.625%
HK$37,627
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,938/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,130
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,126
−HK$1,010/mo
Today · 4.125%
HK$39,136
baseline
▲ 0.50% · 4.625%
HK$41,199
+HK$2,063/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,272/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,947 · 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).