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$18,674
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,255
−HK$590/mo
Today · 4.125%
HK$19,845
baseline
▲ 0.50% · 4.625%
HK$21,053
+HK$1,208/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,690/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,775
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,332
−HK$565/mo
Today · 4.125%
HK$21,897
baseline
▲ 0.50% · 4.625%
HK$23,051
+HK$1,154/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,794/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,409
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,106
−HK$708/mo
Today · 4.125%
HK$23,814
baseline
▲ 0.50% · 4.625%
HK$25,263
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$47,628/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,930
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,598
−HK$679/mo
Today · 4.125%
HK$26,277
baseline
▲ 0.50% · 4.625%
HK$27,662
+HK$1,385/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$52,554/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,144
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,957
−HK$826/mo
Today · 4.125%
HK$27,783
baseline
▲ 0.50% · 4.625%
HK$29,474
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,566/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,085
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,865
−HK$791/mo
Today · 4.125%
HK$30,656
baseline
▲ 0.50% · 4.625%
HK$32,272
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,312/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,613
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,659
−HK$1,062/mo
Today · 4.125%
HK$35,721
baseline
▲ 0.50% · 4.625%
HK$37,895
+HK$2,174/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,442/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,395
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,397
−HK$1,018/mo
Today · 4.125%
HK$39,415
baseline
▲ 0.50% · 4.625%
HK$41,492
+HK$2,077/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,830/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,685 · 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).