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$18,574
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,152
−HK$587/mo
Today · 4.125%
HK$19,739
baseline
▲ 0.50% · 4.625%
HK$20,940
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,478/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,663
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,218
−HK$562/mo
Today · 4.125%
HK$21,780
baseline
▲ 0.50% · 4.625%
HK$22,928
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,560/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,289
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,982
−HK$704/mo
Today · 4.125%
HK$23,686
baseline
▲ 0.50% · 4.625%
HK$25,128
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,372/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,796
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,461
−HK$675/mo
Today · 4.125%
HK$26,136
baseline
▲ 0.50% · 4.625%
HK$27,513
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,272/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,004
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,812
−HK$822/mo
Today · 4.125%
HK$27,634
baseline
▲ 0.50% · 4.625%
HK$29,316
+HK$1,682/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,268/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,929
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,705
−HK$787/mo
Today · 4.125%
HK$30,492
baseline
▲ 0.50% · 4.625%
HK$32,099
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,984/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,433
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,473
−HK$1,057/mo
Today · 4.125%
HK$35,530
baseline
▲ 0.50% · 4.625%
HK$37,692
+HK$2,162/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$71,060/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,194
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,192
−HK$1,012/mo
Today · 4.125%
HK$39,204
baseline
▲ 0.50% · 4.625%
HK$41,270
+HK$2,066/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$78,408/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,367 · 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).