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$18,492
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,067
−HK$585/mo
Today · 4.125%
HK$19,652
baseline
▲ 0.50% · 4.625%
HK$20,848
+HK$1,196/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,304/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,572
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,124
−HK$560/mo
Today · 4.125%
HK$21,684
baseline
▲ 0.50% · 4.625%
HK$22,827
+HK$1,143/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,368/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,191
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,881
−HK$701/mo
Today · 4.125%
HK$23,582
baseline
▲ 0.50% · 4.625%
HK$25,017
+HK$1,435/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$47,164/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,687
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,349
−HK$672/mo
Today · 4.125%
HK$26,021
baseline
▲ 0.50% · 4.625%
HK$27,392
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$52,042/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,889
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,694
−HK$819/mo
Today · 4.125%
HK$27,513
baseline
▲ 0.50% · 4.625%
HK$29,187
+HK$1,674/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,026/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,801
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,574
−HK$783/mo
Today · 4.125%
HK$30,357
baseline
▲ 0.50% · 4.625%
HK$31,958
+HK$1,601/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,714/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,286
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,321
−HK$1,052/mo
Today · 4.125%
HK$35,373
baseline
▲ 0.50% · 4.625%
HK$37,526
+HK$2,153/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,746/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,030
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,023
−HK$1,008/mo
Today · 4.125%
HK$39,031
baseline
▲ 0.50% · 4.625%
HK$41,088
+HK$2,057/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,062/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,291 · 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).