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$18,581
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,159
−HK$587/mo
Today · 4.125%
HK$19,746
baseline
▲ 0.50% · 4.625%
HK$20,948
+HK$1,202/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,492/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,671
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,226
−HK$562/mo
Today · 4.125%
HK$21,788
baseline
▲ 0.50% · 4.625%
HK$22,936
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,576/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,297
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,991
−HK$704/mo
Today · 4.125%
HK$23,695
baseline
▲ 0.50% · 4.625%
HK$25,137
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,390/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,805
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,471
−HK$675/mo
Today · 4.125%
HK$26,146
baseline
▲ 0.50% · 4.625%
HK$27,524
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,292/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,013
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,823
−HK$822/mo
Today · 4.125%
HK$27,645
baseline
▲ 0.50% · 4.625%
HK$29,327
+HK$1,682/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,290/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,940
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,716
−HK$787/mo
Today · 4.125%
HK$30,503
baseline
▲ 0.50% · 4.625%
HK$32,111
+HK$1,608/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$61,006/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,446
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,486
−HK$1,057/mo
Today · 4.125%
HK$35,543
baseline
▲ 0.50% · 4.625%
HK$37,706
+HK$2,163/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$71,086/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,208
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,206
−HK$1,012/mo
Today · 4.125%
HK$39,218
baseline
▲ 0.50% · 4.625%
HK$41,286
+HK$2,068/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$78,436/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,459 · 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).