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$18,612
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,191
−HK$588/mo
Today · 4.125%
HK$19,779
baseline
▲ 0.50% · 4.625%
HK$20,983
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,558/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,706
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,261
−HK$563/mo
Today · 4.125%
HK$21,824
baseline
▲ 0.50% · 4.625%
HK$22,975
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,648/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,335
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,029
−HK$706/mo
Today · 4.125%
HK$23,735
baseline
▲ 0.50% · 4.625%
HK$25,179
+HK$1,444/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$47,470/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,847
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,513
−HK$676/mo
Today · 4.125%
HK$26,189
baseline
▲ 0.50% · 4.625%
HK$27,570
+HK$1,381/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$52,378/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,057
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,867
−HK$824/mo
Today · 4.125%
HK$27,691
baseline
▲ 0.50% · 4.625%
HK$29,376
+HK$1,685/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,382/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,988
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,766
−HK$788/mo
Today · 4.125%
HK$30,554
baseline
▲ 0.50% · 4.625%
HK$32,165
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,108/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,502
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,544
−HK$1,059/mo
Today · 4.125%
HK$35,603
baseline
▲ 0.50% · 4.625%
HK$37,769
+HK$2,166/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$71,206/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,270
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,270
−HK$1,014/mo
Today · 4.125%
HK$39,284
baseline
▲ 0.50% · 4.625%
HK$41,355
+HK$2,071/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$78,568/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,869 · 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).