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$18,488
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,063
−HK$585/mo
Today · 4.125%
HK$19,648
baseline
▲ 0.50% · 4.625%
HK$20,843
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,296/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,568
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,120
−HK$559/mo
Today · 4.125%
HK$21,679
baseline
▲ 0.50% · 4.625%
HK$22,822
+HK$1,143/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,358/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,186
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,876
−HK$701/mo
Today · 4.125%
HK$23,577
baseline
▲ 0.50% · 4.625%
HK$25,012
+HK$1,435/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,154/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,682
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,344
−HK$671/mo
Today · 4.125%
HK$26,015
baseline
▲ 0.50% · 4.625%
HK$27,387
+HK$1,372/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,030/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,884
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,689
−HK$818/mo
Today · 4.125%
HK$27,507
baseline
▲ 0.50% · 4.625%
HK$29,181
+HK$1,674/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,014/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,795
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,568
−HK$783/mo
Today · 4.125%
HK$30,351
baseline
▲ 0.50% · 4.625%
HK$31,951
+HK$1,600/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,702/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,279
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,314
−HK$1,052/mo
Today · 4.125%
HK$35,366
baseline
▲ 0.50% · 4.625%
HK$37,518
+HK$2,152/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,732/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,023
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,016
−HK$1,007/mo
Today · 4.125%
HK$39,023
baseline
▲ 0.50% · 4.625%
HK$41,080
+HK$2,057/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,046/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,241 · 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).