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$18,638
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,217
−HK$589/mo
Today · 4.125%
HK$19,806
baseline
▲ 0.50% · 4.625%
HK$21,012
+HK$1,206/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,612/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,734
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,290
−HK$565/mo
Today · 4.125%
HK$21,855
baseline
▲ 0.50% · 4.625%
HK$23,006
+HK$1,151/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,710/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,365
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,061
−HK$707/mo
Today · 4.125%
HK$23,768
baseline
▲ 0.50% · 4.625%
HK$25,214
+HK$1,446/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,536/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,881
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,548
−HK$677/mo
Today · 4.125%
HK$26,225
baseline
▲ 0.50% · 4.625%
HK$27,608
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,450/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,093
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,904
−HK$825/mo
Today · 4.125%
HK$27,729
baseline
▲ 0.50% · 4.625%
HK$29,416
+HK$1,687/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,458/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,028
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,807
−HK$789/mo
Today · 4.125%
HK$30,596
baseline
▲ 0.50% · 4.625%
HK$32,209
+HK$1,613/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,192/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,548
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,591
−HK$1,061/mo
Today · 4.125%
HK$35,652
baseline
▲ 0.50% · 4.625%
HK$37,821
+HK$2,169/mo
Deposit HK$817K · loan HK$7.36M · min. income ≈ HK$71,304/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,322
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,323
−HK$1,015/mo
Today · 4.125%
HK$39,338
baseline
▲ 0.50% · 4.625%
HK$41,412
+HK$2,074/mo
Deposit HK$817K · loan HK$7.36M · min. income ≈ HK$78,676/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,206 · 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).