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$18,627
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,207
−HK$588/mo
Today · 4.125%
HK$19,795
baseline
▲ 0.50% · 4.625%
HK$21,000
+HK$1,205/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,590/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,723
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,278
−HK$564/mo
Today · 4.125%
HK$21,842
baseline
▲ 0.50% · 4.625%
HK$22,994
+HK$1,152/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,684/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,353
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,048
−HK$706/mo
Today · 4.125%
HK$23,754
baseline
▲ 0.50% · 4.625%
HK$25,200
+HK$1,446/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,508/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,867
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,534
−HK$677/mo
Today · 4.125%
HK$26,211
baseline
▲ 0.50% · 4.625%
HK$27,592
+HK$1,381/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,422/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,078
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,889
−HK$825/mo
Today · 4.125%
HK$27,714
baseline
▲ 0.50% · 4.625%
HK$29,400
+HK$1,686/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,428/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,012
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,790
−HK$789/mo
Today · 4.125%
HK$30,579
baseline
▲ 0.50% · 4.625%
HK$32,191
+HK$1,612/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,158/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,529
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,572
−HK$1,060/mo
Today · 4.125%
HK$35,632
baseline
▲ 0.50% · 4.625%
HK$37,800
+HK$2,168/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,264/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,301
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,301
−HK$1,015/mo
Today · 4.125%
HK$39,316
baseline
▲ 0.50% · 4.625%
HK$41,388
+HK$2,072/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,632/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,069 · 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).