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$18,521
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,097
−HK$585/mo
Today · 4.125%
HK$19,682
baseline
▲ 0.50% · 4.625%
HK$20,880
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,364/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,604
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,157
−HK$561/mo
Today · 4.125%
HK$21,718
baseline
▲ 0.50% · 4.625%
HK$22,862
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,436/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,225
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,917
−HK$702/mo
Today · 4.125%
HK$23,619
baseline
▲ 0.50% · 4.625%
HK$25,056
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,238/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,725
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,388
−HK$673/mo
Today · 4.125%
HK$26,061
baseline
▲ 0.50% · 4.625%
HK$27,435
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,122/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,929
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,736
−HK$819/mo
Today · 4.125%
HK$27,555
baseline
▲ 0.50% · 4.625%
HK$29,232
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,110/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,846
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,620
−HK$785/mo
Today · 4.125%
HK$30,405
baseline
▲ 0.50% · 4.625%
HK$32,007
+HK$1,602/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,810/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,338
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,375
−HK$1,053/mo
Today · 4.125%
HK$35,428
baseline
▲ 0.50% · 4.625%
HK$37,584
+HK$2,156/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,856/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,088
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,083
−HK$1,009/mo
Today · 4.125%
HK$39,092
baseline
▲ 0.50% · 4.625%
HK$41,152
+HK$2,060/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,184/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,670 · 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).