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$18,540
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,117
−HK$586/mo
Today · 4.125%
HK$19,703
baseline
▲ 0.50% · 4.625%
HK$20,902
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,406/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,626
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,179
−HK$561/mo
Today · 4.125%
HK$21,740
baseline
▲ 0.50% · 4.625%
HK$22,886
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,480/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,248
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,940
−HK$704/mo
Today · 4.125%
HK$23,644
baseline
▲ 0.50% · 4.625%
HK$25,082
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,288/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,751
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,415
−HK$673/mo
Today · 4.125%
HK$26,088
baseline
▲ 0.50% · 4.625%
HK$27,463
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,176/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,956
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,764
−HK$820/mo
Today · 4.125%
HK$27,584
baseline
▲ 0.50% · 4.625%
HK$29,263
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,168/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,876
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,651
−HK$785/mo
Today · 4.125%
HK$30,436
baseline
▲ 0.50% · 4.625%
HK$32,041
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,872/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,373
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,411
−HK$1,054/mo
Today · 4.125%
HK$35,465
baseline
▲ 0.50% · 4.625%
HK$37,623
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,930/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,127
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,122
−HK$1,010/mo
Today · 4.125%
HK$39,132
baseline
▲ 0.50% · 4.625%
HK$41,195
+HK$2,063/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,264/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,924 · 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).