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$18,645
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,225
−HK$590/mo
Today · 4.125%
HK$19,815
baseline
▲ 0.50% · 4.625%
HK$21,020
+HK$1,205/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,630/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,743
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,299
−HK$565/mo
Today · 4.125%
HK$21,864
baseline
▲ 0.50% · 4.625%
HK$23,016
+HK$1,152/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,728/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,375
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,071
−HK$707/mo
Today · 4.125%
HK$23,778
baseline
▲ 0.50% · 4.625%
HK$25,224
+HK$1,446/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,556/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,891
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,559
−HK$677/mo
Today · 4.125%
HK$26,236
baseline
▲ 0.50% · 4.625%
HK$27,619
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,472/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,104
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,916
−HK$825/mo
Today · 4.125%
HK$27,741
baseline
▲ 0.50% · 4.625%
HK$29,429
+HK$1,688/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,482/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,040
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,819
−HK$790/mo
Today · 4.125%
HK$30,609
baseline
▲ 0.50% · 4.625%
HK$32,222
+HK$1,613/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,218/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,562
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,606
−HK$1,060/mo
Today · 4.125%
HK$35,666
baseline
▲ 0.50% · 4.625%
HK$37,837
+HK$2,171/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,332/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,337
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,339
−HK$1,015/mo
Today · 4.125%
HK$39,354
baseline
▲ 0.50% · 4.625%
HK$41,429
+HK$2,075/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,708/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,308 · 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).