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$18,655
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,235
−HK$590/mo
Today · 4.125%
HK$19,825
baseline
▲ 0.50% · 4.625%
HK$21,031
+HK$1,206/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,650/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,753
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,310
−HK$565/mo
Today · 4.125%
HK$21,875
baseline
▲ 0.50% · 4.625%
HK$23,028
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,750/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,386
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,082
−HK$708/mo
Today · 4.125%
HK$23,790
baseline
▲ 0.50% · 4.625%
HK$25,237
+HK$1,447/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,580/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,904
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,572
−HK$678/mo
Today · 4.125%
HK$26,250
baseline
▲ 0.50% · 4.625%
HK$27,633
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,500/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,117
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,929
−HK$826/mo
Today · 4.125%
HK$27,755
baseline
▲ 0.50% · 4.625%
HK$29,443
+HK$1,688/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$55,510/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,055
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,834
−HK$790/mo
Today · 4.125%
HK$30,624
baseline
▲ 0.50% · 4.625%
HK$32,239
+HK$1,615/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$61,248/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,579
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,623
−HK$1,061/mo
Today · 4.125%
HK$35,684
baseline
▲ 0.50% · 4.625%
HK$37,856
+HK$2,172/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,368/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,356
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,358
−HK$1,016/mo
Today · 4.125%
HK$39,374
baseline
▲ 0.50% · 4.625%
HK$41,450
+HK$2,076/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,748/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,432 · 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).