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$18,525
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,101
−HK$586/mo
Today · 4.125%
HK$19,687
baseline
▲ 0.50% · 4.625%
HK$20,885
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,374/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,609
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,162
−HK$561/mo
Today · 4.125%
HK$21,723
baseline
▲ 0.50% · 4.625%
HK$22,868
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,446/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,230
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,922
−HK$702/mo
Today · 4.125%
HK$23,624
baseline
▲ 0.50% · 4.625%
HK$25,062
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,248/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,731
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,394
−HK$673/mo
Today · 4.125%
HK$26,067
baseline
▲ 0.50% · 4.625%
HK$27,441
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,134/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,935
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,742
−HK$820/mo
Today · 4.125%
HK$27,562
baseline
▲ 0.50% · 4.625%
HK$29,239
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,124/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,853
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,627
−HK$785/mo
Today · 4.125%
HK$30,412
baseline
▲ 0.50% · 4.625%
HK$32,015
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,824/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,345
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,383
−HK$1,053/mo
Today · 4.125%
HK$35,436
baseline
▲ 0.50% · 4.625%
HK$37,593
+HK$2,157/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,872/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,096
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,091
−HK$1,010/mo
Today · 4.125%
HK$39,101
baseline
▲ 0.50% · 4.625%
HK$41,162
+HK$2,061/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,202/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,726 · 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).