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$19,090
−HK$586/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$243,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,597
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,150
−HK$560/mo
Today · 4.125%
HK$21,710
baseline
▲ 0.50% · 4.625%
HK$22,854
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,420/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,217
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,909
−HK$702/mo
Today · 4.125%
HK$23,611
baseline
▲ 0.50% · 4.625%
HK$25,047
+HK$1,436/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$243,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,717
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,380
−HK$672/mo
Today · 4.125%
HK$26,052
baseline
▲ 0.50% · 4.625%
HK$27,425
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,104/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,920
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,727
−HK$819/mo
Today · 4.125%
HK$27,546
baseline
▲ 0.50% · 4.625%
HK$29,222
+HK$1,676/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$55,092/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,836
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,610
−HK$784/mo
Today · 4.125%
HK$30,394
baseline
▲ 0.50% · 4.625%
HK$31,996
+HK$1,602/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$60,788/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,326
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,363
−HK$1,053/mo
Today · 4.125%
HK$35,416
baseline
▲ 0.50% · 4.625%
HK$37,571
+HK$2,155/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,832/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,075
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,069
−HK$1,009/mo
Today · 4.125%
HK$39,078
baseline
▲ 0.50% · 4.625%
HK$41,138
+HK$2,060/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,156/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,586 · 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).