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$18,513
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,089
−HK$585/mo
Today · 4.125%
HK$19,674
baseline
▲ 0.50% · 4.625%
HK$20,871
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,348/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,596
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,148
−HK$561/mo
Today · 4.125%
HK$21,709
baseline
▲ 0.50% · 4.625%
HK$22,853
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,418/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,216
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,907
−HK$702/mo
Today · 4.125%
HK$23,609
baseline
▲ 0.50% · 4.625%
HK$25,046
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,218/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,715
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,378
−HK$672/mo
Today · 4.125%
HK$26,050
baseline
▲ 0.50% · 4.625%
HK$27,424
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,100/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,919
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,725
−HK$819/mo
Today · 4.125%
HK$27,544
baseline
▲ 0.50% · 4.625%
HK$29,220
+HK$1,676/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$55,088/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,834
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,608
−HK$784/mo
Today · 4.125%
HK$30,392
baseline
▲ 0.50% · 4.625%
HK$31,994
+HK$1,602/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$60,784/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,324
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,361
−HK$1,053/mo
Today · 4.125%
HK$35,414
baseline
▲ 0.50% · 4.625%
HK$37,569
+HK$2,155/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,828/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,073
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,067
−HK$1,009/mo
Today · 4.125%
HK$39,076
baseline
▲ 0.50% · 4.625%
HK$41,135
+HK$2,059/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,152/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,570 · 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).