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$18,564
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,142
−HK$587/mo
Today · 4.125%
HK$19,729
baseline
▲ 0.50% · 4.625%
HK$20,929
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,458/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,653
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,207
−HK$562/mo
Today · 4.125%
HK$21,769
baseline
▲ 0.50% · 4.625%
HK$22,916
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,538/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,277
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,970
−HK$704/mo
Today · 4.125%
HK$23,674
baseline
▲ 0.50% · 4.625%
HK$25,115
+HK$1,441/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$47,348/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,783
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,448
−HK$674/mo
Today · 4.125%
HK$26,122
baseline
▲ 0.50% · 4.625%
HK$27,499
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$52,244/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,990
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,799
−HK$821/mo
Today · 4.125%
HK$27,620
baseline
▲ 0.50% · 4.625%
HK$29,301
+HK$1,681/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,240/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,914
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,689
−HK$787/mo
Today · 4.125%
HK$30,476
baseline
▲ 0.50% · 4.625%
HK$32,082
+HK$1,606/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,952/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,416
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,455
−HK$1,057/mo
Today · 4.125%
HK$35,512
baseline
▲ 0.50% · 4.625%
HK$37,672
+HK$2,160/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,024/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,175
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,172
−HK$1,011/mo
Today · 4.125%
HK$39,183
baseline
▲ 0.50% · 4.625%
HK$41,249
+HK$2,066/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,366/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,242 · 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).