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$18,616
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,196
−HK$588/mo
Today · 4.125%
HK$19,784
baseline
▲ 0.50% · 4.625%
HK$20,988
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,568/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,711
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,266
−HK$564/mo
Today · 4.125%
HK$21,830
baseline
▲ 0.50% · 4.625%
HK$22,980
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,660/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,340
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,035
−HK$706/mo
Today · 4.125%
HK$23,741
baseline
▲ 0.50% · 4.625%
HK$25,185
+HK$1,444/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,482/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,853
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,519
−HK$676/mo
Today · 4.125%
HK$26,195
baseline
▲ 0.50% · 4.625%
HK$27,576
+HK$1,381/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,390/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,063
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,874
−HK$823/mo
Today · 4.125%
HK$27,697
baseline
▲ 0.50% · 4.625%
HK$29,383
+HK$1,686/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,394/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,995
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,772
−HK$789/mo
Today · 4.125%
HK$30,561
baseline
▲ 0.50% · 4.625%
HK$32,172
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,122/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,510
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,552
−HK$1,059/mo
Today · 4.125%
HK$35,611
baseline
▲ 0.50% · 4.625%
HK$37,778
+HK$2,167/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$71,222/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,279
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,279
−HK$1,014/mo
Today · 4.125%
HK$39,293
baseline
▲ 0.50% · 4.625%
HK$41,364
+HK$2,071/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$78,586/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,926 · 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).