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$18,500
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,075
−HK$585/mo
Today · 4.125%
HK$19,660
baseline
▲ 0.50% · 4.625%
HK$20,856
+HK$1,196/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,320/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,581
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,133
−HK$560/mo
Today · 4.125%
HK$21,693
baseline
▲ 0.50% · 4.625%
HK$22,836
+HK$1,143/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,386/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,200
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,890
−HK$702/mo
Today · 4.125%
HK$23,592
baseline
▲ 0.50% · 4.625%
HK$25,027
+HK$1,435/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,184/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,697
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,359
−HK$672/mo
Today · 4.125%
HK$26,031
baseline
▲ 0.50% · 4.625%
HK$27,403
+HK$1,372/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,062/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,899
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,705
−HK$819/mo
Today · 4.125%
HK$27,524
baseline
▲ 0.50% · 4.625%
HK$29,198
+HK$1,674/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,048/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,813
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,586
−HK$784/mo
Today · 4.125%
HK$30,370
baseline
▲ 0.50% · 4.625%
HK$31,970
+HK$1,600/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,740/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,299
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,335
−HK$1,052/mo
Today · 4.125%
HK$35,387
baseline
▲ 0.50% · 4.625%
HK$37,541
+HK$2,154/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,774/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,045
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,039
−HK$1,008/mo
Today · 4.125%
HK$39,047
baseline
▲ 0.50% · 4.625%
HK$41,105
+HK$2,058/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,094/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,389 · 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).