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$18,497
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,072
−HK$585/mo
Today · 4.125%
HK$19,657
baseline
▲ 0.50% · 4.625%
HK$20,853
+HK$1,196/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,314/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,577
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,129
−HK$560/mo
Today · 4.125%
HK$21,689
baseline
▲ 0.50% · 4.625%
HK$22,832
+HK$1,143/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,378/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,196
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,886
−HK$702/mo
Today · 4.125%
HK$23,588
baseline
▲ 0.50% · 4.625%
HK$25,023
+HK$1,435/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$47,176/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,693
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,355
−HK$672/mo
Today · 4.125%
HK$26,027
baseline
▲ 0.50% · 4.625%
HK$27,399
+HK$1,372/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$52,054/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,895
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,701
−HK$818/mo
Today · 4.125%
HK$27,519
baseline
▲ 0.50% · 4.625%
HK$29,194
+HK$1,675/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,038/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,808
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,581
−HK$784/mo
Today · 4.125%
HK$30,365
baseline
▲ 0.50% · 4.625%
HK$31,965
+HK$1,600/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,730/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,294
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,330
−HK$1,052/mo
Today · 4.125%
HK$35,382
baseline
▲ 0.50% · 4.625%
HK$37,535
+HK$2,153/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,764/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,039
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,033
−HK$1,007/mo
Today · 4.125%
HK$39,040
baseline
▲ 0.50% · 4.625%
HK$41,098
+HK$2,058/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,080/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,350 · 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).