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$18,656
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,236
−HK$590/mo
Today · 4.125%
HK$19,826
baseline
▲ 0.50% · 4.625%
HK$21,032
+HK$1,206/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,652/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,754
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,311
−HK$565/mo
Today · 4.125%
HK$21,876
baseline
▲ 0.50% · 4.625%
HK$23,029
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,752/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,387
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,083
−HK$708/mo
Today · 4.125%
HK$23,791
baseline
▲ 0.50% · 4.625%
HK$25,238
+HK$1,447/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,582/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,905
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,573
−HK$678/mo
Today · 4.125%
HK$26,251
baseline
▲ 0.50% · 4.625%
HK$27,634
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,502/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,118
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,930
−HK$826/mo
Today · 4.125%
HK$27,756
baseline
▲ 0.50% · 4.625%
HK$29,445
+HK$1,689/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$55,512/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,056
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,835
−HK$791/mo
Today · 4.125%
HK$30,626
baseline
▲ 0.50% · 4.625%
HK$32,240
+HK$1,614/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$61,252/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,580
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,625
−HK$1,061/mo
Today · 4.125%
HK$35,686
baseline
▲ 0.50% · 4.625%
HK$37,858
+HK$2,172/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,372/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,358
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,360
−HK$1,016/mo
Today · 4.125%
HK$39,376
baseline
▲ 0.50% · 4.625%
HK$41,452
+HK$2,076/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,752/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,443 · 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).