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$18,555
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,133
−HK$586/mo
Today · 4.125%
HK$19,719
baseline
▲ 0.50% · 4.625%
HK$20,919
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,438/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,643
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,196
−HK$562/mo
Today · 4.125%
HK$21,758
baseline
▲ 0.50% · 4.625%
HK$22,905
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,516/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,267
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,959
−HK$704/mo
Today · 4.125%
HK$23,663
baseline
▲ 0.50% · 4.625%
HK$25,103
+HK$1,440/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,326/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,771
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,436
−HK$674/mo
Today · 4.125%
HK$26,110
baseline
▲ 0.50% · 4.625%
HK$27,486
+HK$1,376/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,220/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,978
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,786
−HK$821/mo
Today · 4.125%
HK$27,607
baseline
▲ 0.50% · 4.625%
HK$29,286
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,214/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,900
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,675
−HK$786/mo
Today · 4.125%
HK$30,461
baseline
▲ 0.50% · 4.625%
HK$32,067
+HK$1,606/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,922/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,400
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,439
−HK$1,055/mo
Today · 4.125%
HK$35,494
baseline
▲ 0.50% · 4.625%
HK$37,654
+HK$2,160/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$70,988/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,157
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,154
−HK$1,010/mo
Today · 4.125%
HK$39,164
baseline
▲ 0.50% · 4.625%
HK$41,229
+HK$2,065/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$78,328/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,124 · 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).