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$18,573
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,150
−HK$587/mo
Today · 4.125%
HK$19,737
baseline
▲ 0.50% · 4.625%
HK$20,938
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,474/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,662
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,216
−HK$562/mo
Today · 4.125%
HK$21,778
baseline
▲ 0.50% · 4.625%
HK$22,926
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,556/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,287
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,980
−HK$705/mo
Today · 4.125%
HK$23,685
baseline
▲ 0.50% · 4.625%
HK$25,126
+HK$1,441/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,370/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,794
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,459
−HK$675/mo
Today · 4.125%
HK$26,134
baseline
▲ 0.50% · 4.625%
HK$27,511
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,268/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,002
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,810
−HK$822/mo
Today · 4.125%
HK$27,632
baseline
▲ 0.50% · 4.625%
HK$29,313
+HK$1,681/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,264/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,926
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,702
−HK$787/mo
Today · 4.125%
HK$30,489
baseline
▲ 0.50% · 4.625%
HK$32,096
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,978/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,431
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,470
−HK$1,057/mo
Today · 4.125%
HK$35,527
baseline
▲ 0.50% · 4.625%
HK$37,689
+HK$2,162/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,054/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,191
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,189
−HK$1,012/mo
Today · 4.125%
HK$39,201
baseline
▲ 0.50% · 4.625%
HK$41,267
+HK$2,066/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,402/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,349 · 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).