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$18,589
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,167
−HK$588/mo
Today · 4.125%
HK$19,755
baseline
▲ 0.50% · 4.625%
HK$20,957
+HK$1,202/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,510/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,680
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,235
−HK$562/mo
Today · 4.125%
HK$21,797
baseline
▲ 0.50% · 4.625%
HK$22,946
+HK$1,149/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,594/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,307
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,001
−HK$705/mo
Today · 4.125%
HK$23,706
baseline
▲ 0.50% · 4.625%
HK$25,148
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,412/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,816
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,482
−HK$675/mo
Today · 4.125%
HK$26,157
baseline
▲ 0.50% · 4.625%
HK$27,536
+HK$1,379/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,314/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,025
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,834
−HK$823/mo
Today · 4.125%
HK$27,657
baseline
▲ 0.50% · 4.625%
HK$29,340
+HK$1,683/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,314/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,952
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,729
−HK$787/mo
Today · 4.125%
HK$30,516
baseline
▲ 0.50% · 4.625%
HK$32,125
+HK$1,609/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,032/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,460
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,501
−HK$1,058/mo
Today · 4.125%
HK$35,559
baseline
▲ 0.50% · 4.625%
HK$37,722
+HK$2,163/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$71,118/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,224
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,223
−HK$1,012/mo
Today · 4.125%
HK$39,235
baseline
▲ 0.50% · 4.625%
HK$41,304
+HK$2,069/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$78,470/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,566 · 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).