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$18,594
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,172
−HK$588/mo
Today · 4.125%
HK$19,760
baseline
▲ 0.50% · 4.625%
HK$20,962
+HK$1,202/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,520/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,686
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,240
−HK$563/mo
Today · 4.125%
HK$21,803
baseline
▲ 0.50% · 4.625%
HK$22,952
+HK$1,149/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,606/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,313
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,007
−HK$705/mo
Today · 4.125%
HK$23,712
baseline
▲ 0.50% · 4.625%
HK$25,155
+HK$1,443/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,424/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,823
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,488
−HK$676/mo
Today · 4.125%
HK$26,164
baseline
▲ 0.50% · 4.625%
HK$27,543
+HK$1,379/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,328/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,032
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,841
−HK$823/mo
Today · 4.125%
HK$27,664
baseline
▲ 0.50% · 4.625%
HK$29,347
+HK$1,683/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,328/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,960
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,737
−HK$787/mo
Today · 4.125%
HK$30,524
baseline
▲ 0.50% · 4.625%
HK$32,133
+HK$1,609/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,048/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,469
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,510
−HK$1,058/mo
Today · 4.125%
HK$35,568
baseline
▲ 0.50% · 4.625%
HK$37,732
+HK$2,164/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$71,136/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,234
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,233
−HK$1,013/mo
Today · 4.125%
HK$39,246
baseline
▲ 0.50% · 4.625%
HK$41,314
+HK$2,068/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$78,492/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,630 · 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).