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$18,494
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,069
−HK$585/mo
Today · 4.125%
HK$19,654
baseline
▲ 0.50% · 4.625%
HK$20,850
+HK$1,196/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,308/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,575
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,126
−HK$560/mo
Today · 4.125%
HK$21,686
baseline
▲ 0.50% · 4.625%
HK$22,829
+HK$1,143/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,372/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,193
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,883
−HK$702/mo
Today · 4.125%
HK$23,585
baseline
▲ 0.50% · 4.625%
HK$25,020
+HK$1,435/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$47,170/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,689
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,352
−HK$671/mo
Today · 4.125%
HK$26,023
baseline
▲ 0.50% · 4.625%
HK$27,395
+HK$1,372/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$52,046/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,892
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,697
−HK$818/mo
Today · 4.125%
HK$27,515
baseline
▲ 0.50% · 4.625%
HK$29,190
+HK$1,675/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,030/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,804
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,577
−HK$784/mo
Today · 4.125%
HK$30,361
baseline
▲ 0.50% · 4.625%
HK$31,961
+HK$1,600/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,722/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,289
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,325
−HK$1,052/mo
Today · 4.125%
HK$35,377
baseline
▲ 0.50% · 4.625%
HK$37,530
+HK$2,153/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,754/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,034
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,027
−HK$1,008/mo
Today · 4.125%
HK$39,035
baseline
▲ 0.50% · 4.625%
HK$41,093
+HK$2,058/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,070/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,317 · 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).