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$18,546
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,123
−HK$586/mo
Today · 4.125%
HK$19,709
baseline
▲ 0.50% · 4.625%
HK$20,908
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,418/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,632
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,186
−HK$561/mo
Today · 4.125%
HK$21,747
baseline
▲ 0.50% · 4.625%
HK$22,893
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,494/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,255
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,948
−HK$703/mo
Today · 4.125%
HK$23,651
baseline
▲ 0.50% · 4.625%
HK$25,090
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,302/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,759
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,423
−HK$674/mo
Today · 4.125%
HK$26,097
baseline
▲ 0.50% · 4.625%
HK$27,472
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,194/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,965
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,772
−HK$821/mo
Today · 4.125%
HK$27,593
baseline
▲ 0.50% · 4.625%
HK$29,272
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,186/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,885
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,660
−HK$786/mo
Today · 4.125%
HK$30,446
baseline
▲ 0.50% · 4.625%
HK$32,051
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,892/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,383
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,422
−HK$1,055/mo
Today · 4.125%
HK$35,477
baseline
▲ 0.50% · 4.625%
HK$37,635
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,954/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,138
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,134
−HK$1,011/mo
Today · 4.125%
HK$39,145
baseline
▲ 0.50% · 4.625%
HK$41,208
+HK$2,063/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,290/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,002 · 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).