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$18,643
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,223
−HK$589/mo
Today · 4.125%
HK$19,812
baseline
▲ 0.50% · 4.625%
HK$21,017
+HK$1,205/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,624/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,740
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,296
−HK$564/mo
Today · 4.125%
HK$21,860
baseline
▲ 0.50% · 4.625%
HK$23,013
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,720/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,371
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,067
−HK$707/mo
Today · 4.125%
HK$23,774
baseline
▲ 0.50% · 4.625%
HK$25,221
+HK$1,447/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,548/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,888
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,555
−HK$677/mo
Today · 4.125%
HK$26,232
baseline
▲ 0.50% · 4.625%
HK$27,615
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,464/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,100
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,912
−HK$824/mo
Today · 4.125%
HK$27,736
baseline
▲ 0.50% · 4.625%
HK$29,424
+HK$1,688/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,472/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,036
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,814
−HK$790/mo
Today · 4.125%
HK$30,604
baseline
▲ 0.50% · 4.625%
HK$32,218
+HK$1,614/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,208/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,557
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,601
−HK$1,060/mo
Today · 4.125%
HK$35,661
baseline
▲ 0.50% · 4.625%
HK$37,831
+HK$2,170/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,322/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,332
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,333
−HK$1,015/mo
Today · 4.125%
HK$39,348
baseline
▲ 0.50% · 4.625%
HK$41,423
+HK$2,075/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,696/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,271 · 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).