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$18,506
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,082
−HK$585/mo
Today · 4.125%
HK$19,667
baseline
▲ 0.50% · 4.625%
HK$20,863
+HK$1,196/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,334/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,588
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,140
−HK$560/mo
Today · 4.125%
HK$21,700
baseline
▲ 0.50% · 4.625%
HK$22,844
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,400/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,207
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,898
−HK$702/mo
Today · 4.125%
HK$23,600
baseline
▲ 0.50% · 4.625%
HK$25,036
+HK$1,436/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,200/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,705
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,368
−HK$672/mo
Today · 4.125%
HK$26,040
baseline
▲ 0.50% · 4.625%
HK$27,413
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,080/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,908
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,714
−HK$819/mo
Today · 4.125%
HK$27,533
baseline
▲ 0.50% · 4.625%
HK$29,208
+HK$1,675/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,066/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,823
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,596
−HK$784/mo
Today · 4.125%
HK$30,380
baseline
▲ 0.50% · 4.625%
HK$31,981
+HK$1,601/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,760/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,311
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,347
−HK$1,053/mo
Today · 4.125%
HK$35,400
baseline
▲ 0.50% · 4.625%
HK$37,554
+HK$2,154/mo
Deposit HK$812K · loan HK$7.30M · min. income ≈ HK$70,800/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,058
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,052
−HK$1,008/mo
Today · 4.125%
HK$39,060
baseline
▲ 0.50% · 4.625%
HK$41,119
+HK$2,059/mo
Deposit HK$812K · loan HK$7.30M · min. income ≈ HK$78,120/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,473 · 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).