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$18,605
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,183
−HK$588/mo
Today · 4.125%
HK$19,771
baseline
▲ 0.50% · 4.625%
HK$20,974
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,542/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,698
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,253
−HK$563/mo
Today · 4.125%
HK$21,816
baseline
▲ 0.50% · 4.625%
HK$22,966
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,632/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,326
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,020
−HK$706/mo
Today · 4.125%
HK$23,726
baseline
▲ 0.50% · 4.625%
HK$25,169
+HK$1,443/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$47,452/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,837
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,503
−HK$676/mo
Today · 4.125%
HK$26,179
baseline
▲ 0.50% · 4.625%
HK$27,559
+HK$1,380/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$52,358/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,047
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,857
−HK$823/mo
Today · 4.125%
HK$27,680
baseline
▲ 0.50% · 4.625%
HK$29,364
+HK$1,684/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,360/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,977
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,754
−HK$788/mo
Today · 4.125%
HK$30,542
baseline
▲ 0.50% · 4.625%
HK$32,152
+HK$1,610/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,084/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,489
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,530
−HK$1,059/mo
Today · 4.125%
HK$35,589
baseline
▲ 0.50% · 4.625%
HK$37,754
+HK$2,165/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,178/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,256
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,255
−HK$1,013/mo
Today · 4.125%
HK$39,268
baseline
▲ 0.50% · 4.625%
HK$41,338
+HK$2,070/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,536/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,772 · 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).