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$18,516
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,092
−HK$585/mo
Today · 4.125%
HK$19,677
baseline
▲ 0.50% · 4.625%
HK$20,874
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,354/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,598
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,151
−HK$560/mo
Today · 4.125%
HK$21,711
baseline
▲ 0.50% · 4.625%
HK$22,856
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,422/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,219
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,910
−HK$702/mo
Today · 4.125%
HK$23,612
baseline
▲ 0.50% · 4.625%
HK$25,049
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,224/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,718
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,381
−HK$673/mo
Today · 4.125%
HK$26,054
baseline
▲ 0.50% · 4.625%
HK$27,427
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,108/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,922
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,728
−HK$819/mo
Today · 4.125%
HK$27,547
baseline
▲ 0.50% · 4.625%
HK$29,224
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$55,094/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,838
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,611
−HK$785/mo
Today · 4.125%
HK$30,396
baseline
▲ 0.50% · 4.625%
HK$31,998
+HK$1,602/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$60,792/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,328
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,365
−HK$1,053/mo
Today · 4.125%
HK$35,418
baseline
▲ 0.50% · 4.625%
HK$37,573
+HK$2,155/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,836/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,077
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,072
−HK$1,008/mo
Today · 4.125%
HK$39,080
baseline
▲ 0.50% · 4.625%
HK$41,140
+HK$2,060/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,160/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,600 · 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).