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$18,485
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,060
−HK$584/mo
Today · 4.125%
HK$19,644
baseline
▲ 0.50% · 4.625%
HK$20,839
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,288/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,564
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,116
−HK$559/mo
Today · 4.125%
HK$21,675
baseline
▲ 0.50% · 4.625%
HK$22,818
+HK$1,143/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,350/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,182
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,872
−HK$701/mo
Today · 4.125%
HK$23,573
baseline
▲ 0.50% · 4.625%
HK$25,007
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,146/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,677
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,339
−HK$671/mo
Today · 4.125%
HK$26,010
baseline
▲ 0.50% · 4.625%
HK$27,381
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,020/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,879
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,684
−HK$818/mo
Today · 4.125%
HK$27,502
baseline
▲ 0.50% · 4.625%
HK$29,175
+HK$1,673/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$55,004/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,790
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,562
−HK$783/mo
Today · 4.125%
HK$30,345
baseline
▲ 0.50% · 4.625%
HK$31,945
+HK$1,600/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,690/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,273
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,308
−HK$1,051/mo
Today · 4.125%
HK$35,359
baseline
▲ 0.50% · 4.625%
HK$37,511
+HK$2,152/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,718/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,016
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$38,008
−HK$1,007/mo
Today · 4.125%
HK$39,015
baseline
▲ 0.50% · 4.625%
HK$41,072
+HK$2,057/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,030/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,195 · 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).