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$18,635
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,214
−HK$589/mo
Today · 4.125%
HK$19,803
baseline
▲ 0.50% · 4.625%
HK$21,008
+HK$1,205/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,606/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,731
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,287
−HK$564/mo
Today · 4.125%
HK$21,851
baseline
▲ 0.50% · 4.625%
HK$23,003
+HK$1,152/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,702/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,362
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,057
−HK$707/mo
Today · 4.125%
HK$23,764
baseline
▲ 0.50% · 4.625%
HK$25,210
+HK$1,446/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,528/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,877
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,544
−HK$677/mo
Today · 4.125%
HK$26,221
baseline
▲ 0.50% · 4.625%
HK$27,603
+HK$1,382/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,442/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,089
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,900
−HK$825/mo
Today · 4.125%
HK$27,725
baseline
▲ 0.50% · 4.625%
HK$29,412
+HK$1,687/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,450/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,023
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,802
−HK$789/mo
Today · 4.125%
HK$30,591
baseline
▲ 0.50% · 4.625%
HK$32,204
+HK$1,613/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,182/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,542
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,586
−HK$1,060/mo
Today · 4.125%
HK$35,646
baseline
▲ 0.50% · 4.625%
HK$37,815
+HK$2,169/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,292/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,316
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,316
−HK$1,016/mo
Today · 4.125%
HK$39,332
baseline
▲ 0.50% · 4.625%
HK$41,405
+HK$2,073/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,664/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,166 · 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).