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$18,505
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,080
−HK$585/mo
Today · 4.125%
HK$19,665
baseline
▲ 0.50% · 4.625%
HK$20,861
+HK$1,196/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,330/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,586
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,138
−HK$560/mo
Today · 4.125%
HK$21,698
baseline
▲ 0.50% · 4.625%
HK$22,842
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,396/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,205
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,896
−HK$702/mo
Today · 4.125%
HK$23,598
baseline
▲ 0.50% · 4.625%
HK$25,034
+HK$1,436/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,196/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,703
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,366
−HK$672/mo
Today · 4.125%
HK$26,038
baseline
▲ 0.50% · 4.625%
HK$27,410
+HK$1,372/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,076/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,906
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,712
−HK$819/mo
Today · 4.125%
HK$27,531
baseline
▲ 0.50% · 4.625%
HK$29,206
+HK$1,675/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,062/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,821
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,593
−HK$785/mo
Today · 4.125%
HK$30,378
baseline
▲ 0.50% · 4.625%
HK$31,979
+HK$1,601/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,756/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,308
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,344
−HK$1,053/mo
Today · 4.125%
HK$35,397
baseline
▲ 0.50% · 4.625%
HK$37,551
+HK$2,154/mo
Deposit HK$812K · loan HK$7.30M · min. income ≈ HK$70,794/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,055
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,049
−HK$1,008/mo
Today · 4.125%
HK$39,057
baseline
▲ 0.50% · 4.625%
HK$41,116
+HK$2,059/mo
Deposit HK$812K · loan HK$7.30M · min. income ≈ HK$78,114/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,454 · 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).