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$18,644
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,224
−HK$589/mo
Today · 4.125%
HK$19,813
baseline
▲ 0.50% · 4.625%
HK$21,018
+HK$1,205/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,626/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,741
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,297
−HK$564/mo
Today · 4.125%
HK$21,861
baseline
▲ 0.50% · 4.625%
HK$23,014
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,722/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,372
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,068
−HK$707/mo
Today · 4.125%
HK$23,775
baseline
▲ 0.50% · 4.625%
HK$25,222
+HK$1,447/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,550/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,889
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,557
−HK$677/mo
Today · 4.125%
HK$26,234
baseline
▲ 0.50% · 4.625%
HK$27,617
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,468/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,101
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,913
−HK$825/mo
Today · 4.125%
HK$27,738
baseline
▲ 0.50% · 4.625%
HK$29,426
+HK$1,688/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,476/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,037
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,816
−HK$790/mo
Today · 4.125%
HK$30,606
baseline
▲ 0.50% · 4.625%
HK$32,219
+HK$1,613/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,212/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,559
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,602
−HK$1,061/mo
Today · 4.125%
HK$35,663
baseline
▲ 0.50% · 4.625%
HK$37,833
+HK$2,170/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,326/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,334
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,335
−HK$1,016/mo
Today · 4.125%
HK$39,351
baseline
▲ 0.50% · 4.625%
HK$41,425
+HK$2,074/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,702/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,284 · 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).