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$18,719
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,302
−HK$591/mo
Today · 4.125%
HK$19,893
baseline
▲ 0.50% · 4.625%
HK$21,104
+HK$1,211/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,786/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,825
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,384
−HK$566/mo
Today · 4.125%
HK$21,950
baseline
▲ 0.50% · 4.625%
HK$23,107
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,900/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,463
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,162
−HK$710/mo
Today · 4.125%
HK$23,872
baseline
▲ 0.50% · 4.625%
HK$25,324
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$47,744/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,990
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,660
−HK$680/mo
Today · 4.125%
HK$26,340
baseline
▲ 0.50% · 4.625%
HK$27,729
+HK$1,389/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$52,680/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,207
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,022
−HK$828/mo
Today · 4.125%
HK$27,850
baseline
▲ 0.50% · 4.625%
HK$29,545
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,700/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,155
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,937
−HK$793/mo
Today · 4.125%
HK$30,730
baseline
▲ 0.50% · 4.625%
HK$32,350
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,460/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,695
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,743
−HK$1,065/mo
Today · 4.125%
HK$35,808
baseline
▲ 0.50% · 4.625%
HK$37,986
+HK$2,178/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,616/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,485
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,490
−HK$1,020/mo
Today · 4.125%
HK$39,510
baseline
▲ 0.50% · 4.625%
HK$41,593
+HK$2,083/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,020/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,279 · 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).