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$18,618
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,197
−HK$588/mo
Today · 4.125%
HK$19,785
baseline
▲ 0.50% · 4.625%
HK$20,989
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,570/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,712
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,267
−HK$564/mo
Today · 4.125%
HK$21,831
baseline
▲ 0.50% · 4.625%
HK$22,982
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,662/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,341
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,036
−HK$706/mo
Today · 4.125%
HK$23,742
baseline
▲ 0.50% · 4.625%
HK$25,187
+HK$1,445/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,484/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,854
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,521
−HK$676/mo
Today · 4.125%
HK$26,197
baseline
▲ 0.50% · 4.625%
HK$27,578
+HK$1,381/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,394/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,065
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,875
−HK$824/mo
Today · 4.125%
HK$27,699
baseline
▲ 0.50% · 4.625%
HK$29,384
+HK$1,685/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,398/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,997
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,774
−HK$789/mo
Today · 4.125%
HK$30,563
baseline
▲ 0.50% · 4.625%
HK$32,174
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,126/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,512
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,554
−HK$1,059/mo
Today · 4.125%
HK$35,613
baseline
▲ 0.50% · 4.625%
HK$37,780
+HK$2,167/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$71,226/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,281
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,281
−HK$1,014/mo
Today · 4.125%
HK$39,295
baseline
▲ 0.50% · 4.625%
HK$41,367
+HK$2,072/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$78,590/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,940 · 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).