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$18,654
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,234
−HK$590/mo
Today · 4.125%
HK$19,824
baseline
▲ 0.50% · 4.625%
HK$21,030
+HK$1,206/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,648/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,752
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,309
−HK$565/mo
Today · 4.125%
HK$21,874
baseline
▲ 0.50% · 4.625%
HK$23,026
+HK$1,152/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,748/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,385
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,081
−HK$707/mo
Today · 4.125%
HK$23,788
baseline
▲ 0.50% · 4.625%
HK$25,236
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,576/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,903
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,571
−HK$677/mo
Today · 4.125%
HK$26,248
baseline
▲ 0.50% · 4.625%
HK$27,632
+HK$1,384/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,496/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,116
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,928
−HK$825/mo
Today · 4.125%
HK$27,753
baseline
▲ 0.50% · 4.625%
HK$29,442
+HK$1,689/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$55,506/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,053
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,832
−HK$791/mo
Today · 4.125%
HK$30,623
baseline
▲ 0.50% · 4.625%
HK$32,237
+HK$1,614/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$61,246/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,577
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,622
−HK$1,061/mo
Today · 4.125%
HK$35,683
baseline
▲ 0.50% · 4.625%
HK$37,854
+HK$2,171/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,366/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,354
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,356
−HK$1,016/mo
Today · 4.125%
HK$39,372
baseline
▲ 0.50% · 4.625%
HK$41,448
+HK$2,076/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,744/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,419 · 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).