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$18,552
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,129
−HK$586/mo
Today · 4.125%
HK$19,715
baseline
▲ 0.50% · 4.625%
HK$20,914
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,430/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,638
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,192
−HK$561/mo
Today · 4.125%
HK$21,753
baseline
▲ 0.50% · 4.625%
HK$22,900
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,506/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,262
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,954
−HK$704/mo
Today · 4.125%
HK$23,658
baseline
▲ 0.50% · 4.625%
HK$25,097
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,316/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,766
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,430
−HK$674/mo
Today · 4.125%
HK$26,104
baseline
▲ 0.50% · 4.625%
HK$27,480
+HK$1,376/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,208/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,972
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,780
−HK$821/mo
Today · 4.125%
HK$27,601
baseline
▲ 0.50% · 4.625%
HK$29,280
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,202/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,894
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,669
−HK$786/mo
Today · 4.125%
HK$30,455
baseline
▲ 0.50% · 4.625%
HK$32,060
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,910/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,393
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,431
−HK$1,056/mo
Today · 4.125%
HK$35,487
baseline
▲ 0.50% · 4.625%
HK$37,646
+HK$2,159/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$70,974/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,149
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,145
−HK$1,011/mo
Today · 4.125%
HK$39,156
baseline
▲ 0.50% · 4.625%
HK$41,220
+HK$2,064/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$78,312/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,072 · 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).