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$18,741
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,324
−HK$592/mo
Today · 4.125%
HK$19,916
baseline
▲ 0.50% · 4.625%
HK$21,128
+HK$1,212/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,832/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,849
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,408
−HK$568/mo
Today · 4.125%
HK$21,976
baseline
▲ 0.50% · 4.625%
HK$23,134
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,952/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,489
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,189
−HK$710/mo
Today · 4.125%
HK$23,899
baseline
▲ 0.50% · 4.625%
HK$25,354
+HK$1,455/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,798/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,019
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,690
−HK$681/mo
Today · 4.125%
HK$26,371
baseline
▲ 0.50% · 4.625%
HK$27,761
+HK$1,390/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,742/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,237
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,053
−HK$830/mo
Today · 4.125%
HK$27,883
baseline
▲ 0.50% · 4.625%
HK$29,579
+HK$1,696/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$55,766/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,189
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,972
−HK$794/mo
Today · 4.125%
HK$30,766
baseline
▲ 0.50% · 4.625%
HK$32,387
+HK$1,621/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$61,532/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,734
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,783
−HK$1,066/mo
Today · 4.125%
HK$35,849
baseline
▲ 0.50% · 4.625%
HK$38,030
+HK$2,181/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,698/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,528
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,535
−HK$1,021/mo
Today · 4.125%
HK$39,556
baseline
▲ 0.50% · 4.625%
HK$41,641
+HK$2,085/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,112/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,564 · 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).