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$18,575
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,153
−HK$587/mo
Today · 4.125%
HK$19,740
baseline
▲ 0.50% · 4.625%
HK$20,941
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,480/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,665
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,219
−HK$562/mo
Today · 4.125%
HK$21,781
baseline
▲ 0.50% · 4.625%
HK$22,929
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,562/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,290
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,984
−HK$704/mo
Today · 4.125%
HK$23,688
baseline
▲ 0.50% · 4.625%
HK$25,129
+HK$1,441/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,376/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,798
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,463
−HK$674/mo
Today · 4.125%
HK$26,137
baseline
▲ 0.50% · 4.625%
HK$27,515
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,274/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,005
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,814
−HK$822/mo
Today · 4.125%
HK$27,636
baseline
▲ 0.50% · 4.625%
HK$29,318
+HK$1,682/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,272/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,931
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,707
−HK$787/mo
Today · 4.125%
HK$30,494
baseline
▲ 0.50% · 4.625%
HK$32,101
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,988/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,435
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,475
−HK$1,057/mo
Today · 4.125%
HK$35,532
baseline
▲ 0.50% · 4.625%
HK$37,694
+HK$2,162/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$71,064/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,197
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,194
−HK$1,012/mo
Today · 4.125%
HK$39,206
baseline
▲ 0.50% · 4.625%
HK$41,273
+HK$2,067/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$78,412/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,384 · 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).