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$18,625
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,204
−HK$589/mo
Today · 4.125%
HK$19,793
baseline
▲ 0.50% · 4.625%
HK$20,997
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,586/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,720
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,276
−HK$564/mo
Today · 4.125%
HK$21,840
baseline
▲ 0.50% · 4.625%
HK$22,991
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,680/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,350
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,045
−HK$707/mo
Today · 4.125%
HK$23,752
baseline
▲ 0.50% · 4.625%
HK$25,197
+HK$1,445/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,504/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,864
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,531
−HK$677/mo
Today · 4.125%
HK$26,208
baseline
▲ 0.50% · 4.625%
HK$27,589
+HK$1,381/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,416/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,075
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,886
−HK$824/mo
Today · 4.125%
HK$27,710
baseline
▲ 0.50% · 4.625%
HK$29,396
+HK$1,686/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,420/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,008
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,786
−HK$790/mo
Today · 4.125%
HK$30,576
baseline
▲ 0.50% · 4.625%
HK$32,187
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,152/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,525
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,568
−HK$1,060/mo
Today · 4.125%
HK$35,628
baseline
▲ 0.50% · 4.625%
HK$37,795
+HK$2,167/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,256/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,296
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,297
−HK$1,014/mo
Today · 4.125%
HK$39,311
baseline
▲ 0.50% · 4.625%
HK$41,384
+HK$2,073/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,622/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,040 · 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).