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$18,631
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,210
−HK$589/mo
Today · 4.125%
HK$19,799
baseline
▲ 0.50% · 4.625%
HK$21,004
+HK$1,205/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,598/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,726
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,282
−HK$564/mo
Today · 4.125%
HK$21,846
baseline
▲ 0.50% · 4.625%
HK$22,998
+HK$1,152/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,692/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,357
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,052
−HK$707/mo
Today · 4.125%
HK$23,759
baseline
▲ 0.50% · 4.625%
HK$25,204
+HK$1,445/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,518/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,872
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,539
−HK$676/mo
Today · 4.125%
HK$26,215
baseline
▲ 0.50% · 4.625%
HK$27,597
+HK$1,382/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,430/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,083
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,894
−HK$825/mo
Today · 4.125%
HK$27,719
baseline
▲ 0.50% · 4.625%
HK$29,405
+HK$1,686/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,438/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,017
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,795
−HK$790/mo
Today · 4.125%
HK$30,585
baseline
▲ 0.50% · 4.625%
HK$32,197
+HK$1,612/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,170/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,535
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,578
−HK$1,060/mo
Today · 4.125%
HK$35,638
baseline
▲ 0.50% · 4.625%
HK$37,807
+HK$2,169/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,276/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,308
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,308
−HK$1,015/mo
Today · 4.125%
HK$39,323
baseline
▲ 0.50% · 4.625%
HK$41,396
+HK$2,073/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,646/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,113 · 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).