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$18,646
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,226
−HK$590/mo
Today · 4.125%
HK$19,816
baseline
▲ 0.50% · 4.625%
HK$21,021
+HK$1,205/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,632/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,744
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,300
−HK$565/mo
Today · 4.125%
HK$21,865
baseline
▲ 0.50% · 4.625%
HK$23,017
+HK$1,152/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,730/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,376
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,072
−HK$707/mo
Today · 4.125%
HK$23,779
baseline
▲ 0.50% · 4.625%
HK$25,226
+HK$1,447/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,558/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,893
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,560
−HK$678/mo
Today · 4.125%
HK$26,238
baseline
▲ 0.50% · 4.625%
HK$27,621
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,476/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,105
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,917
−HK$825/mo
Today · 4.125%
HK$27,742
baseline
▲ 0.50% · 4.625%
HK$29,430
+HK$1,688/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,484/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,042
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,820
−HK$791/mo
Today · 4.125%
HK$30,611
baseline
▲ 0.50% · 4.625%
HK$32,224
+HK$1,613/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,222/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,564
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,608
−HK$1,060/mo
Today · 4.125%
HK$35,668
baseline
▲ 0.50% · 4.625%
HK$37,839
+HK$2,171/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,336/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,339
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,341
−HK$1,015/mo
Today · 4.125%
HK$39,356
baseline
▲ 0.50% · 4.625%
HK$41,431
+HK$2,075/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,712/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,320 · 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).