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$18,639
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,219
−HK$589/mo
Today · 4.125%
HK$19,808
baseline
▲ 0.50% · 4.625%
HK$21,013
+HK$1,205/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,616/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,736
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,292
−HK$564/mo
Today · 4.125%
HK$21,856
baseline
▲ 0.50% · 4.625%
HK$23,008
+HK$1,152/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,712/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,367
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,063
−HK$707/mo
Today · 4.125%
HK$23,770
baseline
▲ 0.50% · 4.625%
HK$25,216
+HK$1,446/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,540/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,883
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,550
−HK$677/mo
Today · 4.125%
HK$26,227
baseline
▲ 0.50% · 4.625%
HK$27,610
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,454/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,095
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,906
−HK$825/mo
Today · 4.125%
HK$27,731
baseline
▲ 0.50% · 4.625%
HK$29,419
+HK$1,688/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,462/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,030
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,809
−HK$790/mo
Today · 4.125%
HK$30,599
baseline
▲ 0.50% · 4.625%
HK$32,211
+HK$1,612/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,198/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,550
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,594
−HK$1,060/mo
Today · 4.125%
HK$35,654
baseline
▲ 0.50% · 4.625%
HK$37,824
+HK$2,170/mo
Deposit HK$817K · loan HK$7.36M · min. income ≈ HK$71,308/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,325
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,326
−HK$1,015/mo
Today · 4.125%
HK$39,341
baseline
▲ 0.50% · 4.625%
HK$41,415
+HK$2,074/mo
Deposit HK$817K · loan HK$7.36M · min. income ≈ HK$78,682/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,225 · 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).