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$18,488
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,063
−HK$584/mo
Today · 4.125%
HK$19,647
baseline
▲ 0.50% · 4.625%
HK$20,843
+HK$1,196/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,294/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,567
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,119
−HK$560/mo
Today · 4.125%
HK$21,679
baseline
▲ 0.50% · 4.625%
HK$22,821
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,358/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,185
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,875
−HK$702/mo
Today · 4.125%
HK$23,577
baseline
▲ 0.50% · 4.625%
HK$25,011
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,154/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,681
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,343
−HK$671/mo
Today · 4.125%
HK$26,014
baseline
▲ 0.50% · 4.625%
HK$27,386
+HK$1,372/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,028/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,883
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,688
−HK$818/mo
Today · 4.125%
HK$27,506
baseline
▲ 0.50% · 4.625%
HK$29,180
+HK$1,674/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,012/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,794
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,567
−HK$783/mo
Today · 4.125%
HK$30,350
baseline
▲ 0.50% · 4.625%
HK$31,950
+HK$1,600/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,700/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,278
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,313
−HK$1,052/mo
Today · 4.125%
HK$35,365
baseline
▲ 0.50% · 4.625%
HK$37,517
+HK$2,152/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,730/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,021
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,014
−HK$1,008/mo
Today · 4.125%
HK$39,022
baseline
▲ 0.50% · 4.625%
HK$41,078
+HK$2,056/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,044/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,233 · 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).