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$18,579
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,157
−HK$587/mo
Today · 4.125%
HK$19,744
baseline
▲ 0.50% · 4.625%
HK$20,945
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,488/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,669
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,223
−HK$562/mo
Today · 4.125%
HK$21,785
baseline
▲ 0.50% · 4.625%
HK$22,934
+HK$1,149/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,570/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,294
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,988
−HK$704/mo
Today · 4.125%
HK$23,692
baseline
▲ 0.50% · 4.625%
HK$25,134
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,384/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,802
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,467
−HK$675/mo
Today · 4.125%
HK$26,142
baseline
▲ 0.50% · 4.625%
HK$27,520
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,284/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,010
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,819
−HK$822/mo
Today · 4.125%
HK$27,641
baseline
▲ 0.50% · 4.625%
HK$29,323
+HK$1,682/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,282/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,936
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,712
−HK$787/mo
Today · 4.125%
HK$30,499
baseline
▲ 0.50% · 4.625%
HK$32,107
+HK$1,608/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,998/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,442
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,482
−HK$1,057/mo
Today · 4.125%
HK$35,539
baseline
▲ 0.50% · 4.625%
HK$37,701
+HK$2,162/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$71,078/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,203
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,201
−HK$1,012/mo
Today · 4.125%
HK$39,213
baseline
▲ 0.50% · 4.625%
HK$41,280
+HK$2,067/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$78,426/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,429 · 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).