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$18,645
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,225
−HK$589/mo
Today · 4.125%
HK$19,814
baseline
▲ 0.50% · 4.625%
HK$21,020
+HK$1,206/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,628/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,742
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,299
−HK$564/mo
Today · 4.125%
HK$21,863
baseline
▲ 0.50% · 4.625%
HK$23,015
+HK$1,152/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,726/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,374
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,070
−HK$707/mo
Today · 4.125%
HK$23,777
baseline
▲ 0.50% · 4.625%
HK$25,224
+HK$1,447/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,554/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,891
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,558
−HK$678/mo
Today · 4.125%
HK$26,236
baseline
▲ 0.50% · 4.625%
HK$27,619
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,472/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,103
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,915
−HK$825/mo
Today · 4.125%
HK$27,740
baseline
▲ 0.50% · 4.625%
HK$29,428
+HK$1,688/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,480/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,039
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,818
−HK$790/mo
Today · 4.125%
HK$30,608
baseline
▲ 0.50% · 4.625%
HK$32,222
+HK$1,614/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,216/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,561
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,605
−HK$1,061/mo
Today · 4.125%
HK$35,666
baseline
▲ 0.50% · 4.625%
HK$37,836
+HK$2,170/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,332/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,336
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,338
−HK$1,015/mo
Today · 4.125%
HK$39,353
baseline
▲ 0.50% · 4.625%
HK$41,428
+HK$2,075/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,706/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,302 · 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).