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$18,493
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,069
−HK$584/mo
Today · 4.125%
HK$19,653
baseline
▲ 0.50% · 4.625%
HK$20,849
+HK$1,196/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,306/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,574
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,125
−HK$560/mo
Today · 4.125%
HK$21,685
baseline
▲ 0.50% · 4.625%
HK$22,828
+HK$1,143/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,370/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,192
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,882
−HK$702/mo
Today · 4.125%
HK$23,584
baseline
▲ 0.50% · 4.625%
HK$25,019
+HK$1,435/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$47,168/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,688
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,351
−HK$671/mo
Today · 4.125%
HK$26,022
baseline
▲ 0.50% · 4.625%
HK$27,394
+HK$1,372/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$52,044/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,891
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,696
−HK$818/mo
Today · 4.125%
HK$27,514
baseline
▲ 0.50% · 4.625%
HK$29,189
+HK$1,675/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,028/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,803
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,576
−HK$783/mo
Today · 4.125%
HK$30,359
baseline
▲ 0.50% · 4.625%
HK$31,960
+HK$1,601/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,718/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,288
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,324
−HK$1,052/mo
Today · 4.125%
HK$35,376
baseline
▲ 0.50% · 4.625%
HK$37,528
+HK$2,152/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,752/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,033
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,026
−HK$1,007/mo
Today · 4.125%
HK$39,033
baseline
▲ 0.50% · 4.625%
HK$41,091
+HK$2,058/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,066/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,307 · 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).