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$18,624
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,203
−HK$588/mo
Today · 4.125%
HK$19,791
baseline
▲ 0.50% · 4.625%
HK$20,996
+HK$1,205/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,582/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,719
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,274
−HK$564/mo
Today · 4.125%
HK$21,838
baseline
▲ 0.50% · 4.625%
HK$22,989
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,676/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,348
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,043
−HK$707/mo
Today · 4.125%
HK$23,750
baseline
▲ 0.50% · 4.625%
HK$25,195
+HK$1,445/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,500/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,862
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,529
−HK$677/mo
Today · 4.125%
HK$26,206
baseline
▲ 0.50% · 4.625%
HK$27,587
+HK$1,381/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,412/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,073
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,884
−HK$824/mo
Today · 4.125%
HK$27,708
baseline
▲ 0.50% · 4.625%
HK$29,394
+HK$1,686/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,416/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,006
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,784
−HK$789/mo
Today · 4.125%
HK$30,573
baseline
▲ 0.50% · 4.625%
HK$32,185
+HK$1,612/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,146/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,522
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,565
−HK$1,060/mo
Today · 4.125%
HK$35,625
baseline
▲ 0.50% · 4.625%
HK$37,792
+HK$2,167/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,250/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,293
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,294
−HK$1,014/mo
Today · 4.125%
HK$39,308
baseline
▲ 0.50% · 4.625%
HK$41,380
+HK$2,072/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,616/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,020 · 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).