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$18,540
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,116
−HK$586/mo
Today · 4.125%
HK$19,702
baseline
▲ 0.50% · 4.625%
HK$20,901
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,404/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,625
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,178
−HK$562/mo
Today · 4.125%
HK$21,740
baseline
▲ 0.50% · 4.625%
HK$22,886
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,480/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,248
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,940
−HK$703/mo
Today · 4.125%
HK$23,643
baseline
▲ 0.50% · 4.625%
HK$25,081
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,286/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,750
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,414
−HK$674/mo
Today · 4.125%
HK$26,088
baseline
▲ 0.50% · 4.625%
HK$27,463
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,176/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,956
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,763
−HK$820/mo
Today · 4.125%
HK$27,583
baseline
▲ 0.50% · 4.625%
HK$29,262
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,166/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,875
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,650
−HK$785/mo
Today · 4.125%
HK$30,435
baseline
▲ 0.50% · 4.625%
HK$32,040
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,870/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,372
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,410
−HK$1,054/mo
Today · 4.125%
HK$35,464
baseline
▲ 0.50% · 4.625%
HK$37,622
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,928/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,126
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,121
−HK$1,010/mo
Today · 4.125%
HK$39,131
baseline
▲ 0.50% · 4.625%
HK$41,194
+HK$2,063/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,262/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,918 · 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).