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$18,604
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,183
−HK$588/mo
Today · 4.125%
HK$19,771
baseline
▲ 0.50% · 4.625%
HK$20,974
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,542/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,697
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,252
−HK$563/mo
Today · 4.125%
HK$21,815
baseline
▲ 0.50% · 4.625%
HK$22,965
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,630/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,325
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,019
−HK$706/mo
Today · 4.125%
HK$23,725
baseline
▲ 0.50% · 4.625%
HK$25,168
+HK$1,443/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$47,450/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,836
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,502
−HK$676/mo
Today · 4.125%
HK$26,178
baseline
▲ 0.50% · 4.625%
HK$27,558
+HK$1,380/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$52,356/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,046
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,856
−HK$823/mo
Today · 4.125%
HK$27,679
baseline
▲ 0.50% · 4.625%
HK$29,363
+HK$1,684/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,358/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,975
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,753
−HK$788/mo
Today · 4.125%
HK$30,541
baseline
▲ 0.50% · 4.625%
HK$32,151
+HK$1,610/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,082/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,487
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,529
−HK$1,058/mo
Today · 4.125%
HK$35,587
baseline
▲ 0.50% · 4.625%
HK$37,752
+HK$2,165/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,174/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,254
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,253
−HK$1,014/mo
Today · 4.125%
HK$39,267
baseline
▲ 0.50% · 4.625%
HK$41,337
+HK$2,070/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,534/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,762 · 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).