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$18,584
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,162
−HK$587/mo
Today · 4.125%
HK$19,749
baseline
▲ 0.50% · 4.625%
HK$20,951
+HK$1,202/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,498/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,674
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,229
−HK$562/mo
Today · 4.125%
HK$21,791
baseline
▲ 0.50% · 4.625%
HK$22,940
+HK$1,149/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,582/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,300
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,994
−HK$705/mo
Today · 4.125%
HK$23,699
baseline
▲ 0.50% · 4.625%
HK$25,141
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,398/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,809
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,474
−HK$675/mo
Today · 4.125%
HK$26,149
baseline
▲ 0.50% · 4.625%
HK$27,528
+HK$1,379/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,298/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,017
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,826
−HK$823/mo
Today · 4.125%
HK$27,649
baseline
▲ 0.50% · 4.625%
HK$29,331
+HK$1,682/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,298/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,944
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,720
−HK$787/mo
Today · 4.125%
HK$30,507
baseline
▲ 0.50% · 4.625%
HK$32,116
+HK$1,609/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$61,014/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,450
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,491
−HK$1,057/mo
Today · 4.125%
HK$35,548
baseline
▲ 0.50% · 4.625%
HK$37,711
+HK$2,163/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$71,096/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,213
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,211
−HK$1,013/mo
Today · 4.125%
HK$39,224
baseline
▲ 0.50% · 4.625%
HK$41,291
+HK$2,067/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$78,448/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,494 · 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).