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$18,657
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,238
−HK$589/mo
Today · 4.125%
HK$19,827
baseline
▲ 0.50% · 4.625%
HK$21,034
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,654/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,756
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,313
−HK$565/mo
Today · 4.125%
HK$21,878
baseline
▲ 0.50% · 4.625%
HK$23,031
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,756/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,389
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,085
−HK$708/mo
Today · 4.125%
HK$23,793
baseline
▲ 0.50% · 4.625%
HK$25,241
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,586/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,907
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,575
−HK$678/mo
Today · 4.125%
HK$26,253
baseline
▲ 0.50% · 4.625%
HK$27,637
+HK$1,384/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,506/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,120
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,933
−HK$825/mo
Today · 4.125%
HK$27,758
baseline
▲ 0.50% · 4.625%
HK$29,447
+HK$1,689/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$55,516/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,059
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,838
−HK$791/mo
Today · 4.125%
HK$30,629
baseline
▲ 0.50% · 4.625%
HK$32,243
+HK$1,614/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$61,258/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,583
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,628
−HK$1,061/mo
Today · 4.125%
HK$35,689
baseline
▲ 0.50% · 4.625%
HK$37,861
+HK$2,172/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,378/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,361
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,363
−HK$1,017/mo
Today · 4.125%
HK$39,380
baseline
▲ 0.50% · 4.625%
HK$41,455
+HK$2,075/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,760/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,466 · 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).