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$18,529
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,105
−HK$585/mo
Today · 4.125%
HK$19,690
baseline
▲ 0.50% · 4.625%
HK$20,889
+HK$1,199/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,380/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,613
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,166
−HK$561/mo
Today · 4.125%
HK$21,727
baseline
▲ 0.50% · 4.625%
HK$22,872
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,454/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,234
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,926
−HK$703/mo
Today · 4.125%
HK$23,629
baseline
▲ 0.50% · 4.625%
HK$25,066
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,258/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,735
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,399
−HK$673/mo
Today · 4.125%
HK$26,072
baseline
▲ 0.50% · 4.625%
HK$27,446
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,144/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,940
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,747
−HK$820/mo
Today · 4.125%
HK$27,567
baseline
▲ 0.50% · 4.625%
HK$29,244
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,134/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,858
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,632
−HK$785/mo
Today · 4.125%
HK$30,417
baseline
▲ 0.50% · 4.625%
HK$32,020
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,834/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,351
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,389
−HK$1,054/mo
Today · 4.125%
HK$35,443
baseline
▲ 0.50% · 4.625%
HK$37,600
+HK$2,157/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$70,886/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,103
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,098
−HK$1,010/mo
Today · 4.125%
HK$39,108
baseline
▲ 0.50% · 4.625%
HK$41,169
+HK$2,061/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$78,216/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,770 · 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).