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$18,623
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,202
−HK$589/mo
Today · 4.125%
HK$19,791
baseline
▲ 0.50% · 4.625%
HK$20,995
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,582/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,718
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,274
−HK$563/mo
Today · 4.125%
HK$21,837
baseline
▲ 0.50% · 4.625%
HK$22,988
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,674/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,348
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,043
−HK$706/mo
Today · 4.125%
HK$23,749
baseline
▲ 0.50% · 4.625%
HK$25,194
+HK$1,445/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,498/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,862
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,528
−HK$677/mo
Today · 4.125%
HK$26,205
baseline
▲ 0.50% · 4.625%
HK$27,586
+HK$1,381/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,410/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,072
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,883
−HK$824/mo
Today · 4.125%
HK$27,707
baseline
▲ 0.50% · 4.625%
HK$29,393
+HK$1,686/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,414/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,005
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,783
−HK$789/mo
Today · 4.125%
HK$30,572
baseline
▲ 0.50% · 4.625%
HK$32,184
+HK$1,612/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,144/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,522
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,564
−HK$1,060/mo
Today · 4.125%
HK$35,624
baseline
▲ 0.50% · 4.625%
HK$37,791
+HK$2,167/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,248/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,292
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,293
−HK$1,014/mo
Today · 4.125%
HK$39,307
baseline
▲ 0.50% · 4.625%
HK$41,379
+HK$2,072/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,614/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,014 · 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).