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$18,742
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,325
−HK$592/mo
Today · 4.125%
HK$19,917
baseline
▲ 0.50% · 4.625%
HK$21,129
+HK$1,212/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,834/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,851
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,410
−HK$567/mo
Today · 4.125%
HK$21,977
baseline
▲ 0.50% · 4.625%
HK$23,135
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,954/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,491
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,190
−HK$711/mo
Today · 4.125%
HK$23,901
baseline
▲ 0.50% · 4.625%
HK$25,355
+HK$1,454/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,802/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,021
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,692
−HK$680/mo
Today · 4.125%
HK$26,372
baseline
▲ 0.50% · 4.625%
HK$27,763
+HK$1,391/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,744/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,239
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,055
−HK$829/mo
Today · 4.125%
HK$27,884
baseline
▲ 0.50% · 4.625%
HK$29,581
+HK$1,697/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$55,768/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,191
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,974
−HK$794/mo
Today · 4.125%
HK$30,768
baseline
▲ 0.50% · 4.625%
HK$32,390
+HK$1,622/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$61,536/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,736
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,785
−HK$1,066/mo
Today · 4.125%
HK$35,851
baseline
▲ 0.50% · 4.625%
HK$38,033
+HK$2,182/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,702/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,531
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,537
−HK$1,022/mo
Today · 4.125%
HK$39,559
baseline
▲ 0.50% · 4.625%
HK$41,644
+HK$2,085/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,118/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,581 · 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).