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$18,500
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,076
−HK$584/mo
Today · 4.125%
HK$19,660
baseline
▲ 0.50% · 4.625%
HK$20,857
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,320/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,581
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,133
−HK$560/mo
Today · 4.125%
HK$21,693
baseline
▲ 0.50% · 4.625%
HK$22,837
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,386/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,200
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,891
−HK$701/mo
Today · 4.125%
HK$23,592
baseline
▲ 0.50% · 4.625%
HK$25,028
+HK$1,436/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,184/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,698
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,360
−HK$672/mo
Today · 4.125%
HK$26,032
baseline
▲ 0.50% · 4.625%
HK$27,404
+HK$1,372/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,064/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,900
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,706
−HK$818/mo
Today · 4.125%
HK$27,524
baseline
▲ 0.50% · 4.625%
HK$29,199
+HK$1,675/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,048/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,814
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,587
−HK$784/mo
Today · 4.125%
HK$30,371
baseline
▲ 0.50% · 4.625%
HK$31,971
+HK$1,600/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,742/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,300
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,336
−HK$1,053/mo
Today · 4.125%
HK$35,389
baseline
▲ 0.50% · 4.625%
HK$37,542
+HK$2,153/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,778/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,046
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,040
−HK$1,008/mo
Today · 4.125%
HK$39,048
baseline
▲ 0.50% · 4.625%
HK$41,106
+HK$2,058/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,096/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,397 · 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).