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$18,650
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,230
−HK$590/mo
Today · 4.125%
HK$19,820
baseline
▲ 0.50% · 4.625%
HK$21,026
+HK$1,206/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,640/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,748
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,305
−HK$564/mo
Today · 4.125%
HK$21,869
baseline
▲ 0.50% · 4.625%
HK$23,022
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,738/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,380
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,076
−HK$708/mo
Today · 4.125%
HK$23,784
baseline
▲ 0.50% · 4.625%
HK$25,231
+HK$1,447/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,568/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,898
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,566
−HK$677/mo
Today · 4.125%
HK$26,243
baseline
▲ 0.50% · 4.625%
HK$27,626
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,486/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,110
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,923
−HK$825/mo
Today · 4.125%
HK$27,748
baseline
▲ 0.50% · 4.625%
HK$29,436
+HK$1,688/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$55,496/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,048
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,827
−HK$790/mo
Today · 4.125%
HK$30,617
baseline
▲ 0.50% · 4.625%
HK$32,231
+HK$1,614/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$61,234/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,571
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,615
−HK$1,061/mo
Today · 4.125%
HK$35,676
baseline
▲ 0.50% · 4.625%
HK$37,846
+HK$2,170/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,352/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,347
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,348
−HK$1,017/mo
Today · 4.125%
HK$39,365
baseline
▲ 0.50% · 4.625%
HK$41,440
+HK$2,075/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,730/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,371 · 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).