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$18,515
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,091
−HK$585/mo
Today · 4.125%
HK$19,676
baseline
▲ 0.50% · 4.625%
HK$20,873
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,352/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,598
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,150
−HK$561/mo
Today · 4.125%
HK$21,711
baseline
▲ 0.50% · 4.625%
HK$22,855
+HK$1,144/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$243,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,218
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,909
−HK$702/mo
Today · 4.125%
HK$23,611
baseline
▲ 0.50% · 4.625%
HK$25,048
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,222/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,717
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,380
−HK$673/mo
Today · 4.125%
HK$26,053
baseline
▲ 0.50% · 4.625%
HK$27,426
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,106/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,921
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,727
−HK$820/mo
Today · 4.125%
HK$27,547
baseline
▲ 0.50% · 4.625%
HK$29,223
+HK$1,676/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$243,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,837
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,610
−HK$785/mo
Today · 4.125%
HK$30,395
baseline
▲ 0.50% · 4.625%
HK$31,997
+HK$1,602/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$60,790/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,327
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,364
−HK$1,053/mo
Today · 4.125%
HK$35,417
baseline
▲ 0.50% · 4.625%
HK$37,572
+HK$2,155/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,834/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,076
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,071
−HK$1,008/mo
Today · 4.125%
HK$39,079
baseline
▲ 0.50% · 4.625%
HK$41,139
+HK$2,060/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,158/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,593 · 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).