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$18,521
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,097
−HK$585/mo
Today · 4.125%
HK$19,682
baseline
▲ 0.50% · 4.625%
HK$20,880
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,364/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,604
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,157
−HK$560/mo
Today · 4.125%
HK$21,717
baseline
▲ 0.50% · 4.625%
HK$22,862
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,434/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,225
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,916
−HK$702/mo
Today · 4.125%
HK$23,618
baseline
▲ 0.50% · 4.625%
HK$25,056
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,236/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,725
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,388
−HK$673/mo
Today · 4.125%
HK$26,061
baseline
▲ 0.50% · 4.625%
HK$27,434
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,122/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,929
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,735
−HK$820/mo
Today · 4.125%
HK$27,555
baseline
▲ 0.50% · 4.625%
HK$29,231
+HK$1,676/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,110/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,846
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,619
−HK$785/mo
Today · 4.125%
HK$30,404
baseline
▲ 0.50% · 4.625%
HK$32,007
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,808/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,337
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,374
−HK$1,054/mo
Today · 4.125%
HK$35,428
baseline
▲ 0.50% · 4.625%
HK$37,583
+HK$2,155/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,856/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,087
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,082
−HK$1,009/mo
Today · 4.125%
HK$39,091
baseline
▲ 0.50% · 4.625%
HK$41,151
+HK$2,060/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,182/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,665 · 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).