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$18,728
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,311
−HK$591/mo
Today · 4.125%
HK$19,902
baseline
▲ 0.50% · 4.625%
HK$21,113
+HK$1,211/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,804/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,835
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,394
−HK$566/mo
Today · 4.125%
HK$21,960
baseline
▲ 0.50% · 4.625%
HK$23,118
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,920/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,474
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,173
−HK$710/mo
Today · 4.125%
HK$23,883
baseline
▲ 0.50% · 4.625%
HK$25,336
+HK$1,453/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,766/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,002
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,672
−HK$681/mo
Today · 4.125%
HK$26,353
baseline
▲ 0.50% · 4.625%
HK$27,742
+HK$1,389/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,706/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,219
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,035
−HK$828/mo
Today · 4.125%
HK$27,863
baseline
▲ 0.50% · 4.625%
HK$29,559
+HK$1,696/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,726/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,169
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,951
−HK$794/mo
Today · 4.125%
HK$30,745
baseline
▲ 0.50% · 4.625%
HK$32,365
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,490/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,711
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,759
−HK$1,065/mo
Today · 4.125%
HK$35,824
baseline
▲ 0.50% · 4.625%
HK$38,004
+HK$2,180/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,648/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,503
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,508
−HK$1,021/mo
Today · 4.125%
HK$39,529
baseline
▲ 0.50% · 4.625%
HK$41,612
+HK$2,083/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,058/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,395 · 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).