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$1,165/mo
▼ 0.25% · 3.875%
HK$19,151
−HK$587/mo
Today · 4.125%
HK$19,738
baseline
▲ 0.50% · 4.625%
HK$20,939
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,476/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,663
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,217
−HK$562/mo
Today · 4.125%
HK$21,779
baseline
▲ 0.50% · 4.625%
HK$22,927
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,558/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,288
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,981
−HK$704/mo
Today · 4.125%
HK$23,685
baseline
▲ 0.50% · 4.625%
HK$25,127
+HK$1,442/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$244,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,795
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,460
−HK$675/mo
Today · 4.125%
HK$26,135
baseline
▲ 0.50% · 4.625%
HK$27,512
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,270/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,002
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,811
−HK$822/mo
Today · 4.125%
HK$27,633
baseline
▲ 0.50% · 4.625%
HK$29,314
+HK$1,681/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,266/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,928
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,703
−HK$787/mo
Today · 4.125%
HK$30,490
baseline
▲ 0.50% · 4.625%
HK$32,098
+HK$1,608/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,980/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,432
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,472
−HK$1,056/mo
Today · 4.125%
HK$35,528
baseline
▲ 0.50% · 4.625%
HK$37,690
+HK$2,162/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$71,056/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,193
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,190
−HK$1,012/mo
Today · 4.125%
HK$39,202
baseline
▲ 0.50% · 4.625%
HK$41,268
+HK$2,066/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$78,404/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,357 · 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).