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$18,774
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,358
−HK$593/mo
Today · 4.125%
HK$19,951
baseline
▲ 0.50% · 4.625%
HK$21,165
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,902/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,885
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,446
−HK$568/mo
Today · 4.125%
HK$22,014
baseline
▲ 0.50% · 4.625%
HK$23,174
+HK$1,160/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,028/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,528
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,229
−HK$712/mo
Today · 4.125%
HK$23,941
baseline
▲ 0.50% · 4.625%
HK$25,398
+HK$1,457/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,882/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,063
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,735
−HK$682/mo
Today · 4.125%
HK$26,417
baseline
▲ 0.50% · 4.625%
HK$27,809
+HK$1,392/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,834/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,283
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,101
−HK$830/mo
Today · 4.125%
HK$27,931
baseline
▲ 0.50% · 4.625%
HK$29,631
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,862/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,240
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,024
−HK$795/mo
Today · 4.125%
HK$30,819
baseline
▲ 0.50% · 4.625%
HK$32,444
+HK$1,625/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,638/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,793
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,844
−HK$1,068/mo
Today · 4.125%
HK$35,912
baseline
▲ 0.50% · 4.625%
HK$38,097
+HK$2,185/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,824/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,594
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,602
−HK$1,023/mo
Today · 4.125%
HK$39,625
baseline
▲ 0.50% · 4.625%
HK$41,714
+HK$2,089/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,250/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,994 · 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).