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$18,575
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,153
−HK$587/mo
Today · 4.125%
HK$19,740
baseline
▲ 0.50% · 4.625%
HK$20,941
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,480/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,665
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,219
−HK$562/mo
Today · 4.125%
HK$21,781
baseline
▲ 0.50% · 4.625%
HK$22,930
+HK$1,149/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,562/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,291
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,984
−HK$704/mo
Today · 4.125%
HK$23,688
baseline
▲ 0.50% · 4.625%
HK$25,130
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,376/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,798
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,463
−HK$675/mo
Today · 4.125%
HK$26,138
baseline
▲ 0.50% · 4.625%
HK$27,516
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,276/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,006
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,815
−HK$821/mo
Today · 4.125%
HK$27,636
baseline
▲ 0.50% · 4.625%
HK$29,318
+HK$1,682/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,272/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,931
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,707
−HK$787/mo
Today · 4.125%
HK$30,494
baseline
▲ 0.50% · 4.625%
HK$32,101
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,988/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,436
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,476
−HK$1,057/mo
Today · 4.125%
HK$35,533
baseline
▲ 0.50% · 4.625%
HK$37,695
+HK$2,162/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$71,066/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,197
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,195
−HK$1,012/mo
Today · 4.125%
HK$39,207
baseline
▲ 0.50% · 4.625%
HK$41,273
+HK$2,066/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$78,414/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,387 · 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).