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$18,509
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,085
−HK$585/mo
Today · 4.125%
HK$19,670
baseline
▲ 0.50% · 4.625%
HK$20,867
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,340/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,591
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,144
−HK$560/mo
Today · 4.125%
HK$21,704
baseline
▲ 0.50% · 4.625%
HK$22,848
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,408/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,211
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,902
−HK$702/mo
Today · 4.125%
HK$23,604
baseline
▲ 0.50% · 4.625%
HK$25,040
+HK$1,436/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,208/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,710
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,373
−HK$672/mo
Today · 4.125%
HK$26,045
baseline
▲ 0.50% · 4.625%
HK$27,418
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,090/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,913
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,719
−HK$819/mo
Today · 4.125%
HK$27,538
baseline
▲ 0.50% · 4.625%
HK$29,214
+HK$1,676/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$55,076/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,828
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,601
−HK$785/mo
Today · 4.125%
HK$30,386
baseline
▲ 0.50% · 4.625%
HK$31,987
+HK$1,601/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$60,772/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,317
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,353
−HK$1,053/mo
Today · 4.125%
HK$35,406
baseline
▲ 0.50% · 4.625%
HK$37,561
+HK$2,155/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,812/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,065
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,059
−HK$1,008/mo
Today · 4.125%
HK$39,067
baseline
▲ 0.50% · 4.625%
HK$41,126
+HK$2,059/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,134/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,518 · 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).