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$18,518
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,094
−HK$586/mo
Today · 4.125%
HK$19,680
baseline
▲ 0.50% · 4.625%
HK$20,877
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,360/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,602
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,154
−HK$561/mo
Today · 4.125%
HK$21,715
baseline
▲ 0.50% · 4.625%
HK$22,859
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,430/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,222
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,913
−HK$703/mo
Today · 4.125%
HK$23,616
baseline
▲ 0.50% · 4.625%
HK$25,053
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,232/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,722
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,385
−HK$673/mo
Today · 4.125%
HK$26,058
baseline
▲ 0.50% · 4.625%
HK$27,431
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,116/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,926
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,732
−HK$820/mo
Today · 4.125%
HK$27,552
baseline
▲ 0.50% · 4.625%
HK$29,228
+HK$1,676/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$55,104/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,842
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,616
−HK$784/mo
Today · 4.125%
HK$30,400
baseline
▲ 0.50% · 4.625%
HK$32,003
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$60,800/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,333
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,370
−HK$1,053/mo
Today · 4.125%
HK$35,423
baseline
▲ 0.50% · 4.625%
HK$37,579
+HK$2,156/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,846/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,083
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,077
−HK$1,009/mo
Today · 4.125%
HK$39,086
baseline
▲ 0.50% · 4.625%
HK$41,147
+HK$2,061/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,172/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,637 · 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).