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$18,636
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,215
−HK$589/mo
Today · 4.125%
HK$19,804
baseline
▲ 0.50% · 4.625%
HK$21,009
+HK$1,205/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,608/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,732
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,288
−HK$564/mo
Today · 4.125%
HK$21,852
baseline
▲ 0.50% · 4.625%
HK$23,004
+HK$1,152/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,704/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,363
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,058
−HK$707/mo
Today · 4.125%
HK$23,765
baseline
▲ 0.50% · 4.625%
HK$25,211
+HK$1,446/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,530/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,878
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,546
−HK$676/mo
Today · 4.125%
HK$26,222
baseline
▲ 0.50% · 4.625%
HK$27,605
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,444/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,090
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,901
−HK$825/mo
Today · 4.125%
HK$27,726
baseline
▲ 0.50% · 4.625%
HK$29,413
+HK$1,687/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,452/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,025
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,803
−HK$790/mo
Today · 4.125%
HK$30,593
baseline
▲ 0.50% · 4.625%
HK$32,205
+HK$1,612/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,186/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,544
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,588
−HK$1,060/mo
Today · 4.125%
HK$35,648
baseline
▲ 0.50% · 4.625%
HK$37,817
+HK$2,169/mo
Deposit HK$817K · loan HK$7.36M · min. income ≈ HK$71,296/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,318
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,318
−HK$1,016/mo
Today · 4.125%
HK$39,334
baseline
▲ 0.50% · 4.625%
HK$41,407
+HK$2,073/mo
Deposit HK$817K · loan HK$7.36M · min. income ≈ HK$78,668/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,179 · 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).