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$18,519
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,095
−HK$585/mo
Today · 4.125%
HK$19,680
baseline
▲ 0.50% · 4.625%
HK$20,878
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,360/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,602
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,154
−HK$561/mo
Today · 4.125%
HK$21,715
baseline
▲ 0.50% · 4.625%
HK$22,860
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,430/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,223
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,914
−HK$702/mo
Today · 4.125%
HK$23,616
baseline
▲ 0.50% · 4.625%
HK$25,053
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,232/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,722
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,385
−HK$673/mo
Today · 4.125%
HK$26,058
baseline
▲ 0.50% · 4.625%
HK$27,432
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,116/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,926
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,733
−HK$819/mo
Today · 4.125%
HK$27,552
baseline
▲ 0.50% · 4.625%
HK$29,229
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$55,104/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,843
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,616
−HK$785/mo
Today · 4.125%
HK$30,401
baseline
▲ 0.50% · 4.625%
HK$32,003
+HK$1,602/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$60,802/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,334
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,371
−HK$1,053/mo
Today · 4.125%
HK$35,424
baseline
▲ 0.50% · 4.625%
HK$37,580
+HK$2,156/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,848/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,084
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,078
−HK$1,009/mo
Today · 4.125%
HK$39,087
baseline
▲ 0.50% · 4.625%
HK$41,147
+HK$2,060/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,174/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,641 · 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).