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$18,560
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,138
−HK$586/mo
Today · 4.125%
HK$19,724
baseline
▲ 0.50% · 4.625%
HK$20,924
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,448/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,648
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,202
−HK$562/mo
Today · 4.125%
HK$21,764
baseline
▲ 0.50% · 4.625%
HK$22,911
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,528/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,272
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,965
−HK$704/mo
Today · 4.125%
HK$23,669
baseline
▲ 0.50% · 4.625%
HK$25,109
+HK$1,440/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$47,338/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,778
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,442
−HK$674/mo
Today · 4.125%
HK$26,116
baseline
▲ 0.50% · 4.625%
HK$27,493
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$52,232/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,984
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,793
−HK$821/mo
Today · 4.125%
HK$27,614
baseline
▲ 0.50% · 4.625%
HK$29,294
+HK$1,680/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,228/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,907
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,683
−HK$786/mo
Today · 4.125%
HK$30,469
baseline
▲ 0.50% · 4.625%
HK$32,075
+HK$1,606/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,938/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,408
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,448
−HK$1,055/mo
Today · 4.125%
HK$35,503
baseline
▲ 0.50% · 4.625%
HK$37,664
+HK$2,161/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,006/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,167
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,163
−HK$1,012/mo
Today · 4.125%
HK$39,175
baseline
▲ 0.50% · 4.625%
HK$41,240
+HK$2,065/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,350/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,187 · 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).