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$18,674
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,255
−HK$590/mo
Today · 4.125%
HK$19,845
baseline
▲ 0.50% · 4.625%
HK$21,052
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,690/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,774
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,331
−HK$566/mo
Today · 4.125%
HK$21,897
baseline
▲ 0.50% · 4.625%
HK$23,051
+HK$1,154/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,794/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,408
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,105
−HK$709/mo
Today · 4.125%
HK$23,814
baseline
▲ 0.50% · 4.625%
HK$25,263
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$47,628/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,929
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,598
−HK$678/mo
Today · 4.125%
HK$26,276
baseline
▲ 0.50% · 4.625%
HK$27,661
+HK$1,385/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$52,552/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,143
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,956
−HK$827/mo
Today · 4.125%
HK$27,783
baseline
▲ 0.50% · 4.625%
HK$29,473
+HK$1,690/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,566/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,084
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,864
−HK$791/mo
Today · 4.125%
HK$30,655
baseline
▲ 0.50% · 4.625%
HK$32,271
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,310/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,613
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,658
−HK$1,062/mo
Today · 4.125%
HK$35,720
baseline
▲ 0.50% · 4.625%
HK$37,894
+HK$2,174/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,440/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,394
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,397
−HK$1,017/mo
Today · 4.125%
HK$39,414
baseline
▲ 0.50% · 4.625%
HK$41,491
+HK$2,077/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,828/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,679 · 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).