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$18,662
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,243
−HK$590/mo
Today · 4.125%
HK$19,833
baseline
▲ 0.50% · 4.625%
HK$21,039
+HK$1,206/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,666/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,762
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,318
−HK$565/mo
Today · 4.125%
HK$21,883
baseline
▲ 0.50% · 4.625%
HK$23,037
+HK$1,154/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,766/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,395
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,091
−HK$708/mo
Today · 4.125%
HK$23,799
baseline
▲ 0.50% · 4.625%
HK$25,247
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,598/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,914
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,582
−HK$678/mo
Today · 4.125%
HK$26,260
baseline
▲ 0.50% · 4.625%
HK$27,644
+HK$1,384/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,520/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,127
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,940
−HK$826/mo
Today · 4.125%
HK$27,766
baseline
▲ 0.50% · 4.625%
HK$29,455
+HK$1,689/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,532/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,066
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,846
−HK$791/mo
Today · 4.125%
HK$30,637
baseline
▲ 0.50% · 4.625%
HK$32,252
+HK$1,615/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,274/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,592
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,637
−HK$1,062/mo
Today · 4.125%
HK$35,699
baseline
▲ 0.50% · 4.625%
HK$37,871
+HK$2,172/mo
Deposit HK$818K · loan HK$7.37M · min. income ≈ HK$71,398/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,371
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,373
−HK$1,017/mo
Today · 4.125%
HK$39,390
baseline
▲ 0.50% · 4.625%
HK$41,466
+HK$2,076/mo
Deposit HK$818K · loan HK$7.37M · min. income ≈ HK$78,780/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,530 · 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).