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$18,669
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,250
−HK$590/mo
Today · 4.125%
HK$19,840
baseline
▲ 0.50% · 4.625%
HK$21,047
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,680/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,769
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,326
−HK$565/mo
Today · 4.125%
HK$21,891
baseline
▲ 0.50% · 4.625%
HK$23,045
+HK$1,154/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,782/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,403
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,100
−HK$708/mo
Today · 4.125%
HK$23,808
baseline
▲ 0.50% · 4.625%
HK$25,256
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,616/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,923
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,591
−HK$678/mo
Today · 4.125%
HK$26,269
baseline
▲ 0.50% · 4.625%
HK$27,654
+HK$1,385/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,538/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,137
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,949
−HK$826/mo
Today · 4.125%
HK$27,775
baseline
▲ 0.50% · 4.625%
HK$29,466
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,550/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,077
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,856
−HK$792/mo
Today · 4.125%
HK$30,648
baseline
▲ 0.50% · 4.625%
HK$32,263
+HK$1,615/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,296/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,604
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,649
−HK$1,062/mo
Today · 4.125%
HK$35,711
baseline
▲ 0.50% · 4.625%
HK$37,884
+HK$2,173/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,422/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,384
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,387
−HK$1,017/mo
Today · 4.125%
HK$39,404
baseline
▲ 0.50% · 4.625%
HK$41,481
+HK$2,077/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,808/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,617 · 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).