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$18,648
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,228
−HK$589/mo
Today · 4.125%
HK$19,817
baseline
▲ 0.50% · 4.625%
HK$21,023
+HK$1,206/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,634/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,746
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,302
−HK$564/mo
Today · 4.125%
HK$21,866
baseline
▲ 0.50% · 4.625%
HK$23,019
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,732/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,378
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,074
−HK$707/mo
Today · 4.125%
HK$23,781
baseline
▲ 0.50% · 4.625%
HK$25,228
+HK$1,447/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,562/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,895
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,562
−HK$678/mo
Today · 4.125%
HK$26,240
baseline
▲ 0.50% · 4.625%
HK$27,623
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,480/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,107
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,919
−HK$825/mo
Today · 4.125%
HK$27,744
baseline
▲ 0.50% · 4.625%
HK$29,432
+HK$1,688/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,488/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,044
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,823
−HK$790/mo
Today · 4.125%
HK$30,613
baseline
▲ 0.50% · 4.625%
HK$32,227
+HK$1,614/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,226/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,566
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,610
−HK$1,061/mo
Today · 4.125%
HK$35,671
baseline
▲ 0.50% · 4.625%
HK$37,842
+HK$2,171/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,342/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,342
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,344
−HK$1,016/mo
Today · 4.125%
HK$39,360
baseline
▲ 0.50% · 4.625%
HK$41,434
+HK$2,074/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,720/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,340 · 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).