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$18,626
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,205
−HK$589/mo
Today · 4.125%
HK$19,794
baseline
▲ 0.50% · 4.625%
HK$20,998
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,588/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,721
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,277
−HK$564/mo
Today · 4.125%
HK$21,841
baseline
▲ 0.50% · 4.625%
HK$22,992
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,682/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,351
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,046
−HK$707/mo
Today · 4.125%
HK$23,753
baseline
▲ 0.50% · 4.625%
HK$25,198
+HK$1,445/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,506/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,865
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,532
−HK$677/mo
Today · 4.125%
HK$26,209
baseline
▲ 0.50% · 4.625%
HK$27,590
+HK$1,381/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,418/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,076
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,887
−HK$824/mo
Today · 4.125%
HK$27,711
baseline
▲ 0.50% · 4.625%
HK$29,397
+HK$1,686/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,422/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,009
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,787
−HK$790/mo
Today · 4.125%
HK$30,577
baseline
▲ 0.50% · 4.625%
HK$32,188
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,154/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,526
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,569
−HK$1,060/mo
Today · 4.125%
HK$35,629
baseline
▲ 0.50% · 4.625%
HK$37,797
+HK$2,168/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,258/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,298
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,298
−HK$1,015/mo
Today · 4.125%
HK$39,313
baseline
▲ 0.50% · 4.625%
HK$41,385
+HK$2,072/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,626/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,049 · 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).