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$18,641
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,221
−HK$589/mo
Today · 4.125%
HK$19,810
baseline
▲ 0.50% · 4.625%
HK$21,015
+HK$1,205/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,620/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,738
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,294
−HK$564/mo
Today · 4.125%
HK$21,858
baseline
▲ 0.50% · 4.625%
HK$23,011
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,716/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,369
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,065
−HK$707/mo
Today · 4.125%
HK$23,772
baseline
▲ 0.50% · 4.625%
HK$25,219
+HK$1,447/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,544/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,886
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,553
−HK$677/mo
Today · 4.125%
HK$26,230
baseline
▲ 0.50% · 4.625%
HK$27,613
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,460/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,098
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,909
−HK$825/mo
Today · 4.125%
HK$27,734
baseline
▲ 0.50% · 4.625%
HK$29,422
+HK$1,688/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,468/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,033
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,812
−HK$790/mo
Today · 4.125%
HK$30,602
baseline
▲ 0.50% · 4.625%
HK$32,215
+HK$1,613/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,204/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,554
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,598
−HK$1,060/mo
Today · 4.125%
HK$35,658
baseline
▲ 0.50% · 4.625%
HK$37,828
+HK$2,170/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,316/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,329
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,330
−HK$1,015/mo
Today · 4.125%
HK$39,345
baseline
▲ 0.50% · 4.625%
HK$41,419
+HK$2,074/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,690/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,251 · 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).