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$18,628
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,208
−HK$588/mo
Today · 4.125%
HK$19,796
baseline
▲ 0.50% · 4.625%
HK$21,001
+HK$1,205/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,592/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,724
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,280
−HK$563/mo
Today · 4.125%
HK$21,843
baseline
▲ 0.50% · 4.625%
HK$22,995
+HK$1,152/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,686/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,354
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,049
−HK$707/mo
Today · 4.125%
HK$23,756
baseline
▲ 0.50% · 4.625%
HK$25,201
+HK$1,445/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,512/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,869
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,536
−HK$676/mo
Today · 4.125%
HK$26,212
baseline
▲ 0.50% · 4.625%
HK$27,594
+HK$1,382/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,424/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,080
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,891
−HK$824/mo
Today · 4.125%
HK$27,715
baseline
▲ 0.50% · 4.625%
HK$29,401
+HK$1,686/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,430/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,013
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,791
−HK$790/mo
Today · 4.125%
HK$30,581
baseline
▲ 0.50% · 4.625%
HK$32,193
+HK$1,612/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,162/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,531
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,574
−HK$1,060/mo
Today · 4.125%
HK$35,634
baseline
▲ 0.50% · 4.625%
HK$37,802
+HK$2,168/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,268/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,303
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,303
−HK$1,015/mo
Today · 4.125%
HK$39,318
baseline
▲ 0.50% · 4.625%
HK$41,391
+HK$2,073/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,636/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,082 · 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).