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$18,596
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,174
−HK$588/mo
Today · 4.125%
HK$19,762
baseline
▲ 0.50% · 4.625%
HK$20,965
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,524/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,688
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,243
−HK$563/mo
Today · 4.125%
HK$21,806
baseline
▲ 0.50% · 4.625%
HK$22,955
+HK$1,149/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,612/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,315
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,009
−HK$706/mo
Today · 4.125%
HK$23,715
baseline
▲ 0.50% · 4.625%
HK$25,157
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,430/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,825
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,491
−HK$676/mo
Today · 4.125%
HK$26,167
baseline
▲ 0.50% · 4.625%
HK$27,546
+HK$1,379/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,334/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,034
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,844
−HK$823/mo
Today · 4.125%
HK$27,667
baseline
▲ 0.50% · 4.625%
HK$29,350
+HK$1,683/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,334/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,963
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,740
−HK$788/mo
Today · 4.125%
HK$30,528
baseline
▲ 0.50% · 4.625%
HK$32,137
+HK$1,609/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,056/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,473
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,514
−HK$1,058/mo
Today · 4.125%
HK$35,572
baseline
▲ 0.50% · 4.625%
HK$37,736
+HK$2,164/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,144/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,238
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,237
−HK$1,013/mo
Today · 4.125%
HK$39,250
baseline
▲ 0.50% · 4.625%
HK$41,319
+HK$2,069/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,500/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,657 · 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).