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$18,674
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,255
−HK$590/mo
Today · 4.125%
HK$19,845
baseline
▲ 0.50% · 4.625%
HK$21,053
+HK$1,208/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,690/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,775
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,332
−HK$566/mo
Today · 4.125%
HK$21,898
baseline
▲ 0.50% · 4.625%
HK$23,052
+HK$1,154/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,796/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,409
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,106
−HK$709/mo
Today · 4.125%
HK$23,815
baseline
▲ 0.50% · 4.625%
HK$25,264
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$47,630/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,930
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,599
−HK$678/mo
Today · 4.125%
HK$26,277
baseline
▲ 0.50% · 4.625%
HK$27,662
+HK$1,385/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$52,554/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,144
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,957
−HK$827/mo
Today · 4.125%
HK$27,784
baseline
▲ 0.50% · 4.625%
HK$29,474
+HK$1,690/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,568/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,085
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,865
−HK$792/mo
Today · 4.125%
HK$30,657
baseline
▲ 0.50% · 4.625%
HK$32,273
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,314/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,614
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,660
−HK$1,062/mo
Today · 4.125%
HK$35,722
baseline
▲ 0.50% · 4.625%
HK$37,895
+HK$2,173/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,444/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,395
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,398
−HK$1,018/mo
Today · 4.125%
HK$39,416
baseline
▲ 0.50% · 4.625%
HK$41,493
+HK$2,077/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,832/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,689 · 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).