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$18,629
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,209
−HK$588/mo
Today · 4.125%
HK$19,797
baseline
▲ 0.50% · 4.625%
HK$21,002
+HK$1,205/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,594/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,725
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,281
−HK$564/mo
Today · 4.125%
HK$21,845
baseline
▲ 0.50% · 4.625%
HK$22,996
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,690/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,355
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,050
−HK$707/mo
Today · 4.125%
HK$23,757
baseline
▲ 0.50% · 4.625%
HK$25,203
+HK$1,446/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,514/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,870
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,537
−HK$676/mo
Today · 4.125%
HK$26,213
baseline
▲ 0.50% · 4.625%
HK$27,595
+HK$1,382/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,426/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,081
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,892
−HK$824/mo
Today · 4.125%
HK$27,716
baseline
▲ 0.50% · 4.625%
HK$29,403
+HK$1,687/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,432/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,015
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,793
−HK$789/mo
Today · 4.125%
HK$30,582
baseline
▲ 0.50% · 4.625%
HK$32,194
+HK$1,612/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,164/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,533
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,576
−HK$1,059/mo
Today · 4.125%
HK$35,635
baseline
▲ 0.50% · 4.625%
HK$37,804
+HK$2,169/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,270/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,305
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,305
−HK$1,015/mo
Today · 4.125%
HK$39,320
baseline
▲ 0.50% · 4.625%
HK$41,393
+HK$2,073/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,640/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,095 · 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).