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$18,642
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,222
−HK$589/mo
Today · 4.125%
HK$19,811
baseline
▲ 0.50% · 4.625%
HK$21,017
+HK$1,206/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,622/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,739
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,295
−HK$565/mo
Today · 4.125%
HK$21,860
baseline
▲ 0.50% · 4.625%
HK$23,012
+HK$1,152/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,720/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,371
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,066
−HK$707/mo
Today · 4.125%
HK$23,773
baseline
▲ 0.50% · 4.625%
HK$25,220
+HK$1,447/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,546/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,887
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,555
−HK$677/mo
Today · 4.125%
HK$26,232
baseline
▲ 0.50% · 4.625%
HK$27,614
+HK$1,382/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,464/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,099
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,911
−HK$825/mo
Today · 4.125%
HK$27,736
baseline
▲ 0.50% · 4.625%
HK$29,423
+HK$1,687/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,472/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,035
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,814
−HK$790/mo
Today · 4.125%
HK$30,604
baseline
▲ 0.50% · 4.625%
HK$32,217
+HK$1,613/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,208/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,556
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,600
−HK$1,060/mo
Today · 4.125%
HK$35,660
baseline
▲ 0.50% · 4.625%
HK$37,830
+HK$2,170/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,320/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,331
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,332
−HK$1,016/mo
Today · 4.125%
HK$39,348
baseline
▲ 0.50% · 4.625%
HK$41,422
+HK$2,074/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,696/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,265 · 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).