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$19,252
−HK$591/mo
Today · 4.125%
HK$19,843
baseline
▲ 0.50% · 4.625%
HK$21,050
+HK$1,207/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$245,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,772
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,329
−HK$565/mo
Today · 4.125%
HK$21,894
baseline
▲ 0.50% · 4.625%
HK$23,048
+HK$1,154/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,788/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,406
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,103
−HK$708/mo
Today · 4.125%
HK$23,811
baseline
▲ 0.50% · 4.625%
HK$25,260
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$47,622/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,926
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,595
−HK$678/mo
Today · 4.125%
HK$26,273
baseline
▲ 0.50% · 4.625%
HK$27,658
+HK$1,385/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$52,546/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,140
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,953
−HK$827/mo
Today · 4.125%
HK$27,780
baseline
▲ 0.50% · 4.625%
HK$29,470
+HK$1,690/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$245,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,081
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,861
−HK$791/mo
Today · 4.125%
HK$30,652
baseline
▲ 0.50% · 4.625%
HK$32,268
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,304/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,609
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,654
−HK$1,063/mo
Today · 4.125%
HK$35,717
baseline
▲ 0.50% · 4.625%
HK$37,890
+HK$2,173/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,434/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,390
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,392
−HK$1,018/mo
Today · 4.125%
HK$39,410
baseline
▲ 0.50% · 4.625%
HK$41,487
+HK$2,077/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,820/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,653 · 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).