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$18,673
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,254
−HK$590/mo
Today · 4.125%
HK$19,844
baseline
▲ 0.50% · 4.625%
HK$21,052
+HK$1,208/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,688/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,774
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,331
−HK$565/mo
Today · 4.125%
HK$21,896
baseline
▲ 0.50% · 4.625%
HK$23,050
+HK$1,154/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,792/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,408
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,105
−HK$708/mo
Today · 4.125%
HK$23,813
baseline
▲ 0.50% · 4.625%
HK$25,262
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$47,626/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,929
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,597
−HK$678/mo
Today · 4.125%
HK$26,275
baseline
▲ 0.50% · 4.625%
HK$27,660
+HK$1,385/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$52,550/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,143
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,956
−HK$826/mo
Today · 4.125%
HK$27,782
baseline
▲ 0.50% · 4.625%
HK$29,472
+HK$1,690/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,564/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,083
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,863
−HK$792/mo
Today · 4.125%
HK$30,655
baseline
▲ 0.50% · 4.625%
HK$32,270
+HK$1,615/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,310/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,612
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,657
−HK$1,063/mo
Today · 4.125%
HK$35,720
baseline
▲ 0.50% · 4.625%
HK$37,893
+HK$2,173/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,440/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,393
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,396
−HK$1,017/mo
Today · 4.125%
HK$39,413
baseline
▲ 0.50% · 4.625%
HK$41,491
+HK$2,078/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,826/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,673 · 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).