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$18,665
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,245
−HK$590/mo
Today · 4.125%
HK$19,835
baseline
▲ 0.50% · 4.625%
HK$21,042
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,670/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,764
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,321
−HK$565/mo
Today · 4.125%
HK$21,886
baseline
▲ 0.50% · 4.625%
HK$23,040
+HK$1,154/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,772/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,398
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,094
−HK$708/mo
Today · 4.125%
HK$23,802
baseline
▲ 0.50% · 4.625%
HK$25,250
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,604/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,917
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,585
−HK$678/mo
Today · 4.125%
HK$26,263
baseline
▲ 0.50% · 4.625%
HK$27,648
+HK$1,385/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,526/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,131
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,943
−HK$826/mo
Today · 4.125%
HK$27,769
baseline
▲ 0.50% · 4.625%
HK$29,459
+HK$1,690/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,538/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,070
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,850
−HK$791/mo
Today · 4.125%
HK$30,641
baseline
▲ 0.50% · 4.625%
HK$32,256
+HK$1,615/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,282/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,596
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,642
−HK$1,061/mo
Today · 4.125%
HK$35,703
baseline
▲ 0.50% · 4.625%
HK$37,876
+HK$2,173/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,406/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,376
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,378
−HK$1,017/mo
Today · 4.125%
HK$39,395
baseline
▲ 0.50% · 4.625%
HK$41,472
+HK$2,077/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,790/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,561 · 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).