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$18,652
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,232
−HK$589/mo
Today · 4.125%
HK$19,821
baseline
▲ 0.50% · 4.625%
HK$21,027
+HK$1,206/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,642/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,750
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,306
−HK$565/mo
Today · 4.125%
HK$21,871
baseline
▲ 0.50% · 4.625%
HK$23,024
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,742/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,382
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,078
−HK$707/mo
Today · 4.125%
HK$23,785
baseline
▲ 0.50% · 4.625%
HK$25,233
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,570/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,900
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,567
−HK$678/mo
Today · 4.125%
HK$26,245
baseline
▲ 0.50% · 4.625%
HK$27,628
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,490/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,112
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,924
−HK$826/mo
Today · 4.125%
HK$27,750
baseline
▲ 0.50% · 4.625%
HK$29,438
+HK$1,688/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$55,500/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,050
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,829
−HK$790/mo
Today · 4.125%
HK$30,619
baseline
▲ 0.50% · 4.625%
HK$32,233
+HK$1,614/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$61,238/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,573
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,617
−HK$1,061/mo
Today · 4.125%
HK$35,678
baseline
▲ 0.50% · 4.625%
HK$37,849
+HK$2,171/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,356/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,349
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,351
−HK$1,016/mo
Today · 4.125%
HK$39,367
baseline
▲ 0.50% · 4.625%
HK$41,442
+HK$2,075/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,734/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,388 · 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).