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$18,578
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,155
−HK$587/mo
Today · 4.125%
HK$19,742
baseline
▲ 0.50% · 4.625%
HK$20,944
+HK$1,202/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,484/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,667
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,222
−HK$562/mo
Today · 4.125%
HK$21,784
baseline
▲ 0.50% · 4.625%
HK$22,932
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,568/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,293
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,986
−HK$705/mo
Today · 4.125%
HK$23,691
baseline
▲ 0.50% · 4.625%
HK$25,133
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,382/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,801
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,466
−HK$675/mo
Today · 4.125%
HK$26,141
baseline
▲ 0.50% · 4.625%
HK$27,519
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,282/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,009
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,818
−HK$821/mo
Today · 4.125%
HK$27,639
baseline
▲ 0.50% · 4.625%
HK$29,321
+HK$1,682/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,278/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,934
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,710
−HK$787/mo
Today · 4.125%
HK$30,497
baseline
▲ 0.50% · 4.625%
HK$32,105
+HK$1,608/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,994/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,440
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,480
−HK$1,056/mo
Today · 4.125%
HK$35,536
baseline
▲ 0.50% · 4.625%
HK$37,699
+HK$2,163/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$71,072/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,201
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,199
−HK$1,012/mo
Today · 4.125%
HK$39,211
baseline
▲ 0.50% · 4.625%
HK$41,278
+HK$2,067/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$78,422/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,414 · 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).