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$18,672
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,253
−HK$590/mo
Today · 4.125%
HK$19,843
baseline
▲ 0.50% · 4.625%
HK$21,051
+HK$1,208/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,686/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,773
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,330
−HK$565/mo
Today · 4.125%
HK$21,895
baseline
▲ 0.50% · 4.625%
HK$23,049
+HK$1,154/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,790/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,407
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,104
−HK$708/mo
Today · 4.125%
HK$23,812
baseline
▲ 0.50% · 4.625%
HK$25,261
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$47,624/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,927
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,596
−HK$678/mo
Today · 4.125%
HK$26,274
baseline
▲ 0.50% · 4.625%
HK$27,659
+HK$1,385/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$52,548/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,141
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,954
−HK$826/mo
Today · 4.125%
HK$27,780
baseline
▲ 0.50% · 4.625%
HK$29,471
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,560/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,082
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,862
−HK$791/mo
Today · 4.125%
HK$30,653
baseline
▲ 0.50% · 4.625%
HK$32,269
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,306/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,610
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,655
−HK$1,063/mo
Today · 4.125%
HK$35,718
baseline
▲ 0.50% · 4.625%
HK$37,891
+HK$2,173/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,436/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,391
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,394
−HK$1,017/mo
Today · 4.125%
HK$39,411
baseline
▲ 0.50% · 4.625%
HK$41,488
+HK$2,077/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,822/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,660 · 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).