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$18,633
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,213
−HK$589/mo
Today · 4.125%
HK$19,802
baseline
▲ 0.50% · 4.625%
HK$21,006
+HK$1,204/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,604/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,729
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,285
−HK$564/mo
Today · 4.125%
HK$21,849
baseline
▲ 0.50% · 4.625%
HK$23,001
+HK$1,152/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,698/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,360
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,055
−HK$707/mo
Today · 4.125%
HK$23,762
baseline
▲ 0.50% · 4.625%
HK$25,208
+HK$1,446/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,524/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,875
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,542
−HK$677/mo
Today · 4.125%
HK$26,219
baseline
▲ 0.50% · 4.625%
HK$27,601
+HK$1,382/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,438/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,086
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,898
−HK$824/mo
Today · 4.125%
HK$27,722
baseline
▲ 0.50% · 4.625%
HK$29,409
+HK$1,687/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,444/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,021
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,799
−HK$790/mo
Today · 4.125%
HK$30,589
baseline
▲ 0.50% · 4.625%
HK$32,201
+HK$1,612/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,178/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,540
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,583
−HK$1,060/mo
Today · 4.125%
HK$35,643
baseline
▲ 0.50% · 4.625%
HK$37,812
+HK$2,169/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,286/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,313
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,313
−HK$1,015/mo
Today · 4.125%
HK$39,328
baseline
▲ 0.50% · 4.625%
HK$41,401
+HK$2,073/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,656/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,146 · 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).