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$18,619
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,198
−HK$589/mo
Today · 4.125%
HK$19,787
baseline
▲ 0.50% · 4.625%
HK$20,991
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,574/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,714
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,269
−HK$564/mo
Today · 4.125%
HK$21,833
baseline
▲ 0.50% · 4.625%
HK$22,984
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,666/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,343
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,038
−HK$706/mo
Today · 4.125%
HK$23,744
baseline
▲ 0.50% · 4.625%
HK$25,189
+HK$1,445/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,488/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,857
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,523
−HK$676/mo
Today · 4.125%
HK$26,199
baseline
▲ 0.50% · 4.625%
HK$27,580
+HK$1,381/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,398/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,067
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,878
−HK$824/mo
Today · 4.125%
HK$27,702
baseline
▲ 0.50% · 4.625%
HK$29,387
+HK$1,685/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,404/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,999
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,777
−HK$789/mo
Today · 4.125%
HK$30,566
baseline
▲ 0.50% · 4.625%
HK$32,177
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,132/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,515
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,557
−HK$1,059/mo
Today · 4.125%
HK$35,616
baseline
▲ 0.50% · 4.625%
HK$37,784
+HK$2,168/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,232/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,285
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,285
−HK$1,014/mo
Today · 4.125%
HK$39,299
baseline
▲ 0.50% · 4.625%
HK$41,371
+HK$2,072/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,598/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,964 · 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).