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$18,662
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,242
−HK$590/mo
Today · 4.125%
HK$19,832
baseline
▲ 0.50% · 4.625%
HK$21,039
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,664/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,761
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,318
−HK$565/mo
Today · 4.125%
HK$21,883
baseline
▲ 0.50% · 4.625%
HK$23,036
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,766/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,394
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,091
−HK$708/mo
Today · 4.125%
HK$23,799
baseline
▲ 0.50% · 4.625%
HK$25,247
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,598/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,913
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,582
−HK$677/mo
Today · 4.125%
HK$26,259
baseline
▲ 0.50% · 4.625%
HK$27,644
+HK$1,385/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,518/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,127
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,939
−HK$826/mo
Today · 4.125%
HK$27,765
baseline
▲ 0.50% · 4.625%
HK$29,454
+HK$1,689/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,530/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,066
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,845
−HK$791/mo
Today · 4.125%
HK$30,636
baseline
▲ 0.50% · 4.625%
HK$32,251
+HK$1,615/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,272/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,591
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,636
−HK$1,062/mo
Today · 4.125%
HK$35,698
baseline
▲ 0.50% · 4.625%
HK$37,870
+HK$2,172/mo
Deposit HK$818K · loan HK$7.37M · min. income ≈ HK$71,396/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,370
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,372
−HK$1,017/mo
Today · 4.125%
HK$39,389
baseline
▲ 0.50% · 4.625%
HK$41,465
+HK$2,076/mo
Deposit HK$818K · loan HK$7.37M · min. income ≈ HK$78,778/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,524 · 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).