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$18,666
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,246
−HK$590/mo
Today · 4.125%
HK$19,836
baseline
▲ 0.50% · 4.625%
HK$21,043
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,672/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,765
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,322
−HK$565/mo
Today · 4.125%
HK$21,887
baseline
▲ 0.50% · 4.625%
HK$23,041
+HK$1,154/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,774/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,399
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,096
−HK$708/mo
Today · 4.125%
HK$23,804
baseline
▲ 0.50% · 4.625%
HK$25,252
+HK$1,448/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,608/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,919
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,587
−HK$678/mo
Today · 4.125%
HK$26,265
baseline
▲ 0.50% · 4.625%
HK$27,649
+HK$1,384/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,530/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,132
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,945
−HK$826/mo
Today · 4.125%
HK$27,771
baseline
▲ 0.50% · 4.625%
HK$29,461
+HK$1,690/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,542/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,072
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,851
−HK$791/mo
Today · 4.125%
HK$30,642
baseline
▲ 0.50% · 4.625%
HK$32,258
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,284/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,598
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,643
−HK$1,062/mo
Today · 4.125%
HK$35,705
baseline
▲ 0.50% · 4.625%
HK$37,878
+HK$2,173/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,410/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,378
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,380
−HK$1,017/mo
Today · 4.125%
HK$39,397
baseline
▲ 0.50% · 4.625%
HK$41,474
+HK$2,077/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,794/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,575 · 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).