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$18,622
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,202
−HK$588/mo
Today · 4.125%
HK$19,790
baseline
▲ 0.50% · 4.625%
HK$20,994
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,580/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,717
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,273
−HK$563/mo
Today · 4.125%
HK$21,836
baseline
▲ 0.50% · 4.625%
HK$22,987
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,672/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,347
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,042
−HK$706/mo
Today · 4.125%
HK$23,748
baseline
▲ 0.50% · 4.625%
HK$25,193
+HK$1,445/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,496/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,861
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,527
−HK$677/mo
Today · 4.125%
HK$26,204
baseline
▲ 0.50% · 4.625%
HK$27,585
+HK$1,381/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,408/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,071
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,882
−HK$824/mo
Today · 4.125%
HK$27,706
baseline
▲ 0.50% · 4.625%
HK$29,392
+HK$1,686/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,412/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,004
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,782
−HK$789/mo
Today · 4.125%
HK$30,571
baseline
▲ 0.50% · 4.625%
HK$32,182
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,142/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,520
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,563
−HK$1,059/mo
Today · 4.125%
HK$35,622
baseline
▲ 0.50% · 4.625%
HK$37,790
+HK$2,168/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,244/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,291
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,291
−HK$1,015/mo
Today · 4.125%
HK$39,306
baseline
▲ 0.50% · 4.625%
HK$41,377
+HK$2,071/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,612/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,004 · 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).