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$18,640
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,220
−HK$589/mo
Today · 4.125%
HK$19,809
baseline
▲ 0.50% · 4.625%
HK$21,015
+HK$1,206/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,618/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,737
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,293
−HK$565/mo
Today · 4.125%
HK$21,858
baseline
▲ 0.50% · 4.625%
HK$23,010
+HK$1,152/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,716/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,369
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,064
−HK$707/mo
Today · 4.125%
HK$23,771
baseline
▲ 0.50% · 4.625%
HK$25,218
+HK$1,447/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,542/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,885
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,552
−HK$677/mo
Today · 4.125%
HK$26,229
baseline
▲ 0.50% · 4.625%
HK$27,612
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,458/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,097
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,908
−HK$825/mo
Today · 4.125%
HK$27,733
baseline
▲ 0.50% · 4.625%
HK$29,421
+HK$1,688/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,466/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,032
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,811
−HK$790/mo
Today · 4.125%
HK$30,601
baseline
▲ 0.50% · 4.625%
HK$32,214
+HK$1,613/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,202/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,553
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,596
−HK$1,061/mo
Today · 4.125%
HK$35,657
baseline
▲ 0.50% · 4.625%
HK$37,827
+HK$2,170/mo
Deposit HK$817K · loan HK$7.36M · min. income ≈ HK$71,314/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,327
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,328
−HK$1,016/mo
Today · 4.125%
HK$39,344
baseline
▲ 0.50% · 4.625%
HK$41,418
+HK$2,074/mo
Deposit HK$817K · loan HK$7.36M · min. income ≈ HK$78,688/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,242 · 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).