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$18,665
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,246
−HK$590/mo
Today · 4.125%
HK$19,836
baseline
▲ 0.50% · 4.625%
HK$21,043
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,672/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,765
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,322
−HK$565/mo
Today · 4.125%
HK$21,887
baseline
▲ 0.50% · 4.625%
HK$23,040
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,774/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,398
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,095
−HK$708/mo
Today · 4.125%
HK$23,803
baseline
▲ 0.50% · 4.625%
HK$25,251
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,606/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,918
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,586
−HK$678/mo
Today · 4.125%
HK$26,264
baseline
▲ 0.50% · 4.625%
HK$27,648
+HK$1,384/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,528/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,131
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,944
−HK$826/mo
Today · 4.125%
HK$27,770
baseline
▲ 0.50% · 4.625%
HK$29,460
+HK$1,690/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,540/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,071
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,850
−HK$791/mo
Today · 4.125%
HK$30,641
baseline
▲ 0.50% · 4.625%
HK$32,256
+HK$1,615/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,282/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,597
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,642
−HK$1,062/mo
Today · 4.125%
HK$35,704
baseline
▲ 0.50% · 4.625%
HK$37,877
+HK$2,173/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,408/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,377
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,379
−HK$1,017/mo
Today · 4.125%
HK$39,396
baseline
▲ 0.50% · 4.625%
HK$41,473
+HK$2,077/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,792/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,567 · 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).