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$18,750
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,333
−HK$593/mo
Today · 4.125%
HK$19,926
baseline
▲ 0.50% · 4.625%
HK$21,139
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,852/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,859
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,419
−HK$567/mo
Today · 4.125%
HK$21,986
baseline
▲ 0.50% · 4.625%
HK$23,145
+HK$1,159/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,972/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,500
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,200
−HK$711/mo
Today · 4.125%
HK$23,911
baseline
▲ 0.50% · 4.625%
HK$25,366
+HK$1,455/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,822/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,031
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,703
−HK$681/mo
Today · 4.125%
HK$26,384
baseline
▲ 0.50% · 4.625%
HK$27,774
+HK$1,390/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,768/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,250
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,067
−HK$829/mo
Today · 4.125%
HK$27,896
baseline
▲ 0.50% · 4.625%
HK$29,594
+HK$1,698/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,792/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,203
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,986
−HK$795/mo
Today · 4.125%
HK$30,781
baseline
▲ 0.50% · 4.625%
HK$32,404
+HK$1,623/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,562/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,750
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,800
−HK$1,067/mo
Today · 4.125%
HK$35,867
baseline
▲ 0.50% · 4.625%
HK$38,049
+HK$2,182/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,734/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,547
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,554
−HK$1,022/mo
Today · 4.125%
HK$39,576
baseline
▲ 0.50% · 4.625%
HK$41,662
+HK$2,086/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,152/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,687 · 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).