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$18,627
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,206
−HK$589/mo
Today · 4.125%
HK$19,795
baseline
▲ 0.50% · 4.625%
HK$20,999
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,590/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,722
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,278
−HK$564/mo
Today · 4.125%
HK$21,842
baseline
▲ 0.50% · 4.625%
HK$22,993
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,684/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,352
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,047
−HK$707/mo
Today · 4.125%
HK$23,754
baseline
▲ 0.50% · 4.625%
HK$25,199
+HK$1,445/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,508/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,866
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,533
−HK$677/mo
Today · 4.125%
HK$26,210
baseline
▲ 0.50% · 4.625%
HK$27,591
+HK$1,381/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,420/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,077
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,889
−HK$824/mo
Today · 4.125%
HK$27,713
baseline
▲ 0.50% · 4.625%
HK$29,399
+HK$1,686/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,426/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,011
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,789
−HK$789/mo
Today · 4.125%
HK$30,578
baseline
▲ 0.50% · 4.625%
HK$32,190
+HK$1,612/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,156/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,528
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,571
−HK$1,060/mo
Today · 4.125%
HK$35,631
baseline
▲ 0.50% · 4.625%
HK$37,799
+HK$2,168/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,262/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,300
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,300
−HK$1,015/mo
Today · 4.125%
HK$39,315
baseline
▲ 0.50% · 4.625%
HK$41,387
+HK$2,072/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,630/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,061 · 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).