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$1,169/mo
▼ 0.25% · 3.875%
HK$19,230
−HK$589/mo
Today · 4.125%
HK$19,819
baseline
▲ 0.50% · 4.625%
HK$21,025
+HK$1,206/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,638/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,747
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,304
−HK$564/mo
Today · 4.125%
HK$21,868
baseline
▲ 0.50% · 4.625%
HK$23,021
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,736/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,380
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,076
−HK$707/mo
Today · 4.125%
HK$23,783
baseline
▲ 0.50% · 4.625%
HK$25,230
+HK$1,447/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,566/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,897
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,565
−HK$677/mo
Today · 4.125%
HK$26,242
baseline
▲ 0.50% · 4.625%
HK$27,625
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,484/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,109
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,922
−HK$825/mo
Today · 4.125%
HK$27,747
baseline
▲ 0.50% · 4.625%
HK$29,435
+HK$1,688/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$55,494/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,046
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,825
−HK$791/mo
Today · 4.125%
HK$30,616
baseline
▲ 0.50% · 4.625%
HK$32,230
+HK$1,614/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$61,232/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,569
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,613
−HK$1,061/mo
Today · 4.125%
HK$35,674
baseline
▲ 0.50% · 4.625%
HK$37,845
+HK$2,171/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,348/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,345
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,347
−HK$1,016/mo
Today · 4.125%
HK$39,363
baseline
▲ 0.50% · 4.625%
HK$41,438
+HK$2,075/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,726/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,362 · 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).