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$18,661
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,242
−HK$589/mo
Today · 4.125%
HK$19,831
baseline
▲ 0.50% · 4.625%
HK$21,038
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,662/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,760
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,317
−HK$565/mo
Today · 4.125%
HK$21,882
baseline
▲ 0.50% · 4.625%
HK$23,035
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,764/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,393
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,090
−HK$708/mo
Today · 4.125%
HK$23,798
baseline
▲ 0.50% · 4.625%
HK$25,246
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,596/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,912
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,580
−HK$678/mo
Today · 4.125%
HK$26,258
baseline
▲ 0.50% · 4.625%
HK$27,642
+HK$1,384/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,516/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,125
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,938
−HK$826/mo
Today · 4.125%
HK$27,764
baseline
▲ 0.50% · 4.625%
HK$29,453
+HK$1,689/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,528/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,064
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,844
−HK$791/mo
Today · 4.125%
HK$30,635
baseline
▲ 0.50% · 4.625%
HK$32,249
+HK$1,614/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,270/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,590
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,635
−HK$1,061/mo
Today · 4.125%
HK$35,696
baseline
▲ 0.50% · 4.625%
HK$37,868
+HK$2,172/mo
Deposit HK$818K · loan HK$7.37M · min. income ≈ HK$71,392/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,368
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,371
−HK$1,016/mo
Today · 4.125%
HK$39,387
baseline
▲ 0.50% · 4.625%
HK$41,464
+HK$2,077/mo
Deposit HK$818K · loan HK$7.37M · min. income ≈ HK$78,774/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,513 · 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).