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$18,536
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,113
−HK$586/mo
Today · 4.125%
HK$19,699
baseline
▲ 0.50% · 4.625%
HK$20,897
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,398/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,622
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,175
−HK$561/mo
Today · 4.125%
HK$21,736
baseline
▲ 0.50% · 4.625%
HK$22,881
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,472/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,244
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,936
−HK$703/mo
Today · 4.125%
HK$23,639
baseline
▲ 0.50% · 4.625%
HK$25,077
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,278/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,746
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,410
−HK$673/mo
Today · 4.125%
HK$26,083
baseline
▲ 0.50% · 4.625%
HK$27,458
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,166/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,951
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,758
−HK$820/mo
Today · 4.125%
HK$27,578
baseline
▲ 0.50% · 4.625%
HK$29,256
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,156/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,870
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,644
−HK$786/mo
Today · 4.125%
HK$30,430
baseline
▲ 0.50% · 4.625%
HK$32,034
+HK$1,604/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,860/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,365
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,403
−HK$1,055/mo
Today · 4.125%
HK$35,458
baseline
▲ 0.50% · 4.625%
HK$37,615
+HK$2,157/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,916/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,119
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,114
−HK$1,010/mo
Today · 4.125%
HK$39,124
baseline
▲ 0.50% · 4.625%
HK$41,186
+HK$2,062/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,248/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,873 · 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).