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$18,502
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,077
−HK$585/mo
Today · 4.125%
HK$19,662
baseline
▲ 0.50% · 4.625%
HK$20,858
+HK$1,196/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,324/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,583
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,135
−HK$560/mo
Today · 4.125%
HK$21,695
baseline
▲ 0.50% · 4.625%
HK$22,838
+HK$1,143/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,390/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,202
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,893
−HK$701/mo
Today · 4.125%
HK$23,594
baseline
▲ 0.50% · 4.625%
HK$25,030
+HK$1,436/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,188/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,699
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,362
−HK$672/mo
Today · 4.125%
HK$26,034
baseline
▲ 0.50% · 4.625%
HK$27,406
+HK$1,372/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,068/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,902
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,708
−HK$819/mo
Today · 4.125%
HK$27,527
baseline
▲ 0.50% · 4.625%
HK$29,201
+HK$1,674/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,054/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,816
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,589
−HK$784/mo
Today · 4.125%
HK$30,373
baseline
▲ 0.50% · 4.625%
HK$31,974
+HK$1,601/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,746/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,303
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,339
−HK$1,052/mo
Today · 4.125%
HK$35,391
baseline
▲ 0.50% · 4.625%
HK$37,545
+HK$2,154/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,782/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,049
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,043
−HK$1,008/mo
Today · 4.125%
HK$39,051
baseline
▲ 0.50% · 4.625%
HK$41,109
+HK$2,058/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,102/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,415 · 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).