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$18,667
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,247
−HK$590/mo
Today · 4.125%
HK$19,837
baseline
▲ 0.50% · 4.625%
HK$21,044
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,674/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,766
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,323
−HK$565/mo
Today · 4.125%
HK$21,888
baseline
▲ 0.50% · 4.625%
HK$23,042
+HK$1,154/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,776/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,400
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,097
−HK$708/mo
Today · 4.125%
HK$23,805
baseline
▲ 0.50% · 4.625%
HK$25,253
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,610/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,920
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,588
−HK$678/mo
Today · 4.125%
HK$26,266
baseline
▲ 0.50% · 4.625%
HK$27,651
+HK$1,385/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,532/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,133
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,946
−HK$826/mo
Today · 4.125%
HK$27,772
baseline
▲ 0.50% · 4.625%
HK$29,462
+HK$1,690/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,544/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,073
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,853
−HK$791/mo
Today · 4.125%
HK$30,644
baseline
▲ 0.50% · 4.625%
HK$32,259
+HK$1,615/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,288/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,600
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,645
−HK$1,062/mo
Today · 4.125%
HK$35,707
baseline
▲ 0.50% · 4.625%
HK$37,880
+HK$2,173/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,414/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,380
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,382
−HK$1,017/mo
Today · 4.125%
HK$39,399
baseline
▲ 0.50% · 4.625%
HK$41,476
+HK$2,077/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,798/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,587 · 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).