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$18,575
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,153
−HK$587/mo
Today · 4.125%
HK$19,740
baseline
▲ 0.50% · 4.625%
HK$20,941
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,480/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,664
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,218
−HK$563/mo
Today · 4.125%
HK$21,781
baseline
▲ 0.50% · 4.625%
HK$22,929
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,562/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,290
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,983
−HK$705/mo
Today · 4.125%
HK$23,688
baseline
▲ 0.50% · 4.625%
HK$25,129
+HK$1,441/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,376/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,797
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,462
−HK$675/mo
Today · 4.125%
HK$26,137
baseline
▲ 0.50% · 4.625%
HK$27,515
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,274/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,005
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,814
−HK$821/mo
Today · 4.125%
HK$27,635
baseline
▲ 0.50% · 4.625%
HK$29,317
+HK$1,682/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,270/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,930
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,706
−HK$787/mo
Today · 4.125%
HK$30,493
baseline
▲ 0.50% · 4.625%
HK$32,100
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,986/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,435
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,475
−HK$1,056/mo
Today · 4.125%
HK$35,531
baseline
▲ 0.50% · 4.625%
HK$37,693
+HK$2,162/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$71,062/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,196
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,193
−HK$1,012/mo
Today · 4.125%
HK$39,205
baseline
▲ 0.50% · 4.625%
HK$41,272
+HK$2,067/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$78,410/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,378 · 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).