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$18,527
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,103
−HK$586/mo
Today · 4.125%
HK$19,689
baseline
▲ 0.50% · 4.625%
HK$20,887
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,378/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,611
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,164
−HK$560/mo
Today · 4.125%
HK$21,724
baseline
▲ 0.50% · 4.625%
HK$22,870
+HK$1,146/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,448/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,232
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,924
−HK$702/mo
Today · 4.125%
HK$23,626
baseline
▲ 0.50% · 4.625%
HK$25,064
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,252/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,733
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,396
−HK$673/mo
Today · 4.125%
HK$26,069
baseline
▲ 0.50% · 4.625%
HK$27,443
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,138/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,938
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,744
−HK$820/mo
Today · 4.125%
HK$27,564
baseline
▲ 0.50% · 4.625%
HK$29,241
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,128/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,855
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,629
−HK$785/mo
Today · 4.125%
HK$30,414
baseline
▲ 0.50% · 4.625%
HK$32,017
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,828/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,348
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,386
−HK$1,054/mo
Today · 4.125%
HK$35,440
baseline
▲ 0.50% · 4.625%
HK$37,596
+HK$2,156/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,880/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,100
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,095
−HK$1,009/mo
Today · 4.125%
HK$39,104
baseline
▲ 0.50% · 4.625%
HK$41,165
+HK$2,061/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,208/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,747 · 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).