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$18,576
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,154
−HK$587/mo
Today · 4.125%
HK$19,741
baseline
▲ 0.50% · 4.625%
HK$20,942
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,482/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,666
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,220
−HK$562/mo
Today · 4.125%
HK$21,782
baseline
▲ 0.50% · 4.625%
HK$22,931
+HK$1,149/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,564/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,292
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,985
−HK$704/mo
Today · 4.125%
HK$23,689
baseline
▲ 0.50% · 4.625%
HK$25,131
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,378/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,799
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,464
−HK$675/mo
Today · 4.125%
HK$26,139
baseline
▲ 0.50% · 4.625%
HK$27,517
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,278/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,007
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,816
−HK$822/mo
Today · 4.125%
HK$27,638
baseline
▲ 0.50% · 4.625%
HK$29,319
+HK$1,681/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,276/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,932
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,708
−HK$787/mo
Today · 4.125%
HK$30,495
baseline
▲ 0.50% · 4.625%
HK$32,103
+HK$1,608/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,990/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,437
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,477
−HK$1,057/mo
Today · 4.125%
HK$35,534
baseline
▲ 0.50% · 4.625%
HK$37,696
+HK$2,162/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$71,068/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,199
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,196
−HK$1,012/mo
Today · 4.125%
HK$39,208
baseline
▲ 0.50% · 4.625%
HK$41,275
+HK$2,067/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$78,416/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,398 · 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).