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$18,597
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,175
−HK$588/mo
Today · 4.125%
HK$19,763
baseline
▲ 0.50% · 4.625%
HK$20,966
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,526/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,689
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,244
−HK$563/mo
Today · 4.125%
HK$21,807
baseline
▲ 0.50% · 4.625%
HK$22,956
+HK$1,149/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,614/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,316
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,010
−HK$706/mo
Today · 4.125%
HK$23,716
baseline
▲ 0.50% · 4.625%
HK$25,159
+HK$1,443/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,432/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,827
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,493
−HK$675/mo
Today · 4.125%
HK$26,168
baseline
▲ 0.50% · 4.625%
HK$27,547
+HK$1,379/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,336/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,036
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,846
−HK$822/mo
Today · 4.125%
HK$27,668
baseline
▲ 0.50% · 4.625%
HK$29,352
+HK$1,684/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,336/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,964
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,741
−HK$788/mo
Today · 4.125%
HK$30,529
baseline
▲ 0.50% · 4.625%
HK$32,139
+HK$1,610/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,058/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,474
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,516
−HK$1,058/mo
Today · 4.125%
HK$35,574
baseline
▲ 0.50% · 4.625%
HK$37,738
+HK$2,164/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,148/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,240
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,239
−HK$1,013/mo
Today · 4.125%
HK$39,252
baseline
▲ 0.50% · 4.625%
HK$41,321
+HK$2,069/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,504/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,669 · 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).