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$18,558
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,135
−HK$587/mo
Today · 4.125%
HK$19,722
baseline
▲ 0.50% · 4.625%
HK$20,922
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,444/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,646
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,199
−HK$562/mo
Today · 4.125%
HK$21,761
baseline
▲ 0.50% · 4.625%
HK$22,908
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,522/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,270
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,962
−HK$704/mo
Today · 4.125%
HK$23,666
baseline
▲ 0.50% · 4.625%
HK$25,106
+HK$1,440/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$47,332/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,775
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,439
−HK$674/mo
Today · 4.125%
HK$26,113
baseline
▲ 0.50% · 4.625%
HK$27,490
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$52,226/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,981
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,790
−HK$821/mo
Today · 4.125%
HK$27,611
baseline
▲ 0.50% · 4.625%
HK$29,291
+HK$1,680/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,222/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,904
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,679
−HK$787/mo
Today · 4.125%
HK$30,466
baseline
▲ 0.50% · 4.625%
HK$32,071
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,932/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,405
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,444
−HK$1,055/mo
Today · 4.125%
HK$35,499
baseline
▲ 0.50% · 4.625%
HK$37,659
+HK$2,160/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$70,998/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,162
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,159
−HK$1,011/mo
Today · 4.125%
HK$39,170
baseline
▲ 0.50% · 4.625%
HK$41,235
+HK$2,065/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$78,340/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,159 · 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).