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$18,659
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,239
−HK$590/mo
Today · 4.125%
HK$19,829
baseline
▲ 0.50% · 4.625%
HK$21,035
+HK$1,206/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,658/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,757
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,314
−HK$565/mo
Today · 4.125%
HK$21,879
baseline
▲ 0.50% · 4.625%
HK$23,032
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,758/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,390
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,087
−HK$707/mo
Today · 4.125%
HK$23,794
baseline
▲ 0.50% · 4.625%
HK$25,242
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,588/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,909
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,577
−HK$678/mo
Today · 4.125%
HK$26,255
baseline
▲ 0.50% · 4.625%
HK$27,639
+HK$1,384/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,510/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,122
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,934
−HK$826/mo
Today · 4.125%
HK$27,760
baseline
▲ 0.50% · 4.625%
HK$29,449
+HK$1,689/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$55,520/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,060
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,840
−HK$790/mo
Today · 4.125%
HK$30,630
baseline
▲ 0.50% · 4.625%
HK$32,245
+HK$1,615/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$61,260/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,585
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,630
−HK$1,061/mo
Today · 4.125%
HK$35,691
baseline
▲ 0.50% · 4.625%
HK$37,863
+HK$2,172/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,382/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,363
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,365
−HK$1,017/mo
Today · 4.125%
HK$39,382
baseline
▲ 0.50% · 4.625%
HK$41,458
+HK$2,076/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,764/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,480 · 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).