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$18,664
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,244
−HK$590/mo
Today · 4.125%
HK$19,834
baseline
▲ 0.50% · 4.625%
HK$21,041
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,668/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,763
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,320
−HK$565/mo
Today · 4.125%
HK$21,885
baseline
▲ 0.50% · 4.625%
HK$23,039
+HK$1,154/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,770/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,397
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,093
−HK$708/mo
Today · 4.125%
HK$23,801
baseline
▲ 0.50% · 4.625%
HK$25,249
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,602/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,916
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,584
−HK$678/mo
Today · 4.125%
HK$26,262
baseline
▲ 0.50% · 4.625%
HK$27,646
+HK$1,384/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,524/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,129
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,942
−HK$826/mo
Today · 4.125%
HK$27,768
baseline
▲ 0.50% · 4.625%
HK$29,458
+HK$1,690/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,536/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,069
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,848
−HK$791/mo
Today · 4.125%
HK$30,639
baseline
▲ 0.50% · 4.625%
HK$32,254
+HK$1,615/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,278/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,595
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,640
−HK$1,062/mo
Today · 4.125%
HK$35,702
baseline
▲ 0.50% · 4.625%
HK$37,874
+HK$2,172/mo
Deposit HK$818K · loan HK$7.37M · min. income ≈ HK$71,404/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,374
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,376
−HK$1,017/mo
Today · 4.125%
HK$39,393
baseline
▲ 0.50% · 4.625%
HK$41,470
+HK$2,077/mo
Deposit HK$818K · loan HK$7.37M · min. income ≈ HK$78,786/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,550 · 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).