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$18,721
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,304
−HK$591/mo
Today · 4.125%
HK$19,895
baseline
▲ 0.50% · 4.625%
HK$21,106
+HK$1,211/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,790/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,827
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,386
−HK$566/mo
Today · 4.125%
HK$21,952
baseline
▲ 0.50% · 4.625%
HK$23,110
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,904/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,466
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,164
−HK$710/mo
Today · 4.125%
HK$23,874
baseline
▲ 0.50% · 4.625%
HK$25,327
+HK$1,453/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$47,748/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,993
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,663
−HK$680/mo
Today · 4.125%
HK$26,343
baseline
▲ 0.50% · 4.625%
HK$27,732
+HK$1,389/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$52,686/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,210
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,025
−HK$828/mo
Today · 4.125%
HK$27,853
baseline
▲ 0.50% · 4.625%
HK$29,548
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,706/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,158
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,940
−HK$793/mo
Today · 4.125%
HK$30,733
baseline
▲ 0.50% · 4.625%
HK$32,353
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,466/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,698
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,747
−HK$1,065/mo
Today · 4.125%
HK$35,812
baseline
▲ 0.50% · 4.625%
HK$37,991
+HK$2,179/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,624/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,489
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,495
−HK$1,019/mo
Today · 4.125%
HK$39,514
baseline
▲ 0.50% · 4.625%
HK$41,597
+HK$2,083/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,028/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,306 · 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).