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$18,613
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,192
−HK$588/mo
Today · 4.125%
HK$19,780
baseline
▲ 0.50% · 4.625%
HK$20,984
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,560/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,707
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,262
−HK$564/mo
Today · 4.125%
HK$21,826
baseline
▲ 0.50% · 4.625%
HK$22,976
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,652/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,336
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,030
−HK$706/mo
Today · 4.125%
HK$23,736
baseline
▲ 0.50% · 4.625%
HK$25,181
+HK$1,445/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,472/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,848
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,515
−HK$676/mo
Today · 4.125%
HK$26,191
baseline
▲ 0.50% · 4.625%
HK$27,571
+HK$1,380/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,382/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,058
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,869
−HK$823/mo
Today · 4.125%
HK$27,692
baseline
▲ 0.50% · 4.625%
HK$29,377
+HK$1,685/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,384/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,990
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,767
−HK$789/mo
Today · 4.125%
HK$30,556
baseline
▲ 0.50% · 4.625%
HK$32,166
+HK$1,610/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,112/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,504
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,546
−HK$1,059/mo
Today · 4.125%
HK$35,605
baseline
▲ 0.50% · 4.625%
HK$37,771
+HK$2,166/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$71,210/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,272
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,272
−HK$1,014/mo
Today · 4.125%
HK$39,286
baseline
▲ 0.50% · 4.625%
HK$41,357
+HK$2,071/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$78,572/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,882 · 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).