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$18,659
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,240
−HK$589/mo
Today · 4.125%
HK$19,829
baseline
▲ 0.50% · 4.625%
HK$21,036
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,658/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,758
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,315
−HK$565/mo
Today · 4.125%
HK$21,880
baseline
▲ 0.50% · 4.625%
HK$23,033
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,760/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,391
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,088
−HK$707/mo
Today · 4.125%
HK$23,795
baseline
▲ 0.50% · 4.625%
HK$25,243
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,590/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,910
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,578
−HK$678/mo
Today · 4.125%
HK$26,256
baseline
▲ 0.50% · 4.625%
HK$27,640
+HK$1,384/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,512/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,123
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,935
−HK$826/mo
Today · 4.125%
HK$27,761
baseline
▲ 0.50% · 4.625%
HK$29,450
+HK$1,689/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$55,522/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,061
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,841
−HK$791/mo
Today · 4.125%
HK$30,632
baseline
▲ 0.50% · 4.625%
HK$32,246
+HK$1,614/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$61,264/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,587
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,631
−HK$1,062/mo
Today · 4.125%
HK$35,693
baseline
▲ 0.50% · 4.625%
HK$37,865
+HK$2,172/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,386/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,365
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,367
−HK$1,016/mo
Today · 4.125%
HK$39,383
baseline
▲ 0.50% · 4.625%
HK$41,459
+HK$2,076/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,766/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,488 · 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).