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$18,663
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,244
−HK$590/mo
Today · 4.125%
HK$19,834
baseline
▲ 0.50% · 4.625%
HK$21,041
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,668/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,763
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,320
−HK$565/mo
Today · 4.125%
HK$21,885
baseline
▲ 0.50% · 4.625%
HK$23,038
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,770/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,396
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,093
−HK$707/mo
Today · 4.125%
HK$23,800
baseline
▲ 0.50% · 4.625%
HK$25,249
+HK$1,449/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,600/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,915
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,584
−HK$677/mo
Today · 4.125%
HK$26,261
baseline
▲ 0.50% · 4.625%
HK$27,646
+HK$1,385/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,522/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,129
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,941
−HK$826/mo
Today · 4.125%
HK$27,767
baseline
▲ 0.50% · 4.625%
HK$29,457
+HK$1,690/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,534/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,068
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,847
−HK$791/mo
Today · 4.125%
HK$30,638
baseline
▲ 0.50% · 4.625%
HK$32,253
+HK$1,615/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,276/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,594
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,639
−HK$1,062/mo
Today · 4.125%
HK$35,701
baseline
▲ 0.50% · 4.625%
HK$37,873
+HK$2,172/mo
Deposit HK$818K · loan HK$7.37M · min. income ≈ HK$71,402/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,373
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,375
−HK$1,017/mo
Today · 4.125%
HK$39,392
baseline
▲ 0.50% · 4.625%
HK$41,469
+HK$2,077/mo
Deposit HK$818K · loan HK$7.37M · min. income ≈ HK$78,784/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,543 · 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).