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$18,660
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,240
−HK$590/mo
Today · 4.125%
HK$19,830
baseline
▲ 0.50% · 4.625%
HK$21,037
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,660/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,759
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,316
−HK$565/mo
Today · 4.125%
HK$21,881
baseline
▲ 0.50% · 4.625%
HK$23,034
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,762/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,392
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,088
−HK$708/mo
Today · 4.125%
HK$23,796
baseline
▲ 0.50% · 4.625%
HK$25,244
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,592/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,911
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,579
−HK$678/mo
Today · 4.125%
HK$26,257
baseline
▲ 0.50% · 4.625%
HK$27,641
+HK$1,384/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,514/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,124
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,936
−HK$826/mo
Today · 4.125%
HK$27,762
baseline
▲ 0.50% · 4.625%
HK$29,451
+HK$1,689/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$55,524/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,063
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,842
−HK$791/mo
Today · 4.125%
HK$30,633
baseline
▲ 0.50% · 4.625%
HK$32,247
+HK$1,614/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$61,266/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,588
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,633
−HK$1,061/mo
Today · 4.125%
HK$35,694
baseline
▲ 0.50% · 4.625%
HK$37,866
+HK$2,172/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,388/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,366
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,368
−HK$1,017/mo
Today · 4.125%
HK$39,385
baseline
▲ 0.50% · 4.625%
HK$41,461
+HK$2,076/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,770/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,498 · 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).