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$18,668
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,249
−HK$590/mo
Today · 4.125%
HK$19,839
baseline
▲ 0.50% · 4.625%
HK$21,046
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,678/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,768
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,325
−HK$565/mo
Today · 4.125%
HK$21,890
baseline
▲ 0.50% · 4.625%
HK$23,044
+HK$1,154/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,780/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,402
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,099
−HK$708/mo
Today · 4.125%
HK$23,807
baseline
▲ 0.50% · 4.625%
HK$25,255
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,614/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,922
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,590
−HK$678/mo
Today · 4.125%
HK$26,268
baseline
▲ 0.50% · 4.625%
HK$27,653
+HK$1,385/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,536/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,135
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,948
−HK$826/mo
Today · 4.125%
HK$27,774
baseline
▲ 0.50% · 4.625%
HK$29,464
+HK$1,690/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,548/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,075
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,855
−HK$791/mo
Today · 4.125%
HK$30,646
baseline
▲ 0.50% · 4.625%
HK$32,262
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,292/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,603
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,648
−HK$1,062/mo
Today · 4.125%
HK$35,710
baseline
▲ 0.50% · 4.625%
HK$37,883
+HK$2,173/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,420/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,383
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,385
−HK$1,017/mo
Today · 4.125%
HK$39,402
baseline
▲ 0.50% · 4.625%
HK$41,479
+HK$2,077/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,804/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,607 · 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).