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$18,609
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,188
−HK$588/mo
Today · 4.125%
HK$19,776
baseline
▲ 0.50% · 4.625%
HK$20,979
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,552/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,703
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,258
−HK$563/mo
Today · 4.125%
HK$21,821
baseline
▲ 0.50% · 4.625%
HK$22,971
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,642/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,331
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,026
−HK$705/mo
Today · 4.125%
HK$23,731
baseline
▲ 0.50% · 4.625%
HK$25,175
+HK$1,444/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$47,462/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,843
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,509
−HK$676/mo
Today · 4.125%
HK$26,185
baseline
▲ 0.50% · 4.625%
HK$27,566
+HK$1,381/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$52,370/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,053
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,863
−HK$824/mo
Today · 4.125%
HK$27,687
baseline
▲ 0.50% · 4.625%
HK$29,371
+HK$1,684/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,374/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,984
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,761
−HK$788/mo
Today · 4.125%
HK$30,549
baseline
▲ 0.50% · 4.625%
HK$32,160
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,098/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,497
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,538
−HK$1,059/mo
Today · 4.125%
HK$35,597
baseline
▲ 0.50% · 4.625%
HK$37,763
+HK$2,166/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,194/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,265
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,264
−HK$1,014/mo
Today · 4.125%
HK$39,278
baseline
▲ 0.50% · 4.625%
HK$41,348
+HK$2,070/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,556/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,831 · 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).