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$18,752
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,335
−HK$593/mo
Today · 4.125%
HK$19,928
baseline
▲ 0.50% · 4.625%
HK$21,140
+HK$1,212/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,856/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,861
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,421
−HK$567/mo
Today · 4.125%
HK$21,988
baseline
▲ 0.50% · 4.625%
HK$23,147
+HK$1,159/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,976/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,502
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,202
−HK$711/mo
Today · 4.125%
HK$23,913
baseline
▲ 0.50% · 4.625%
HK$25,368
+HK$1,455/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,826/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,033
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,705
−HK$681/mo
Today · 4.125%
HK$26,386
baseline
▲ 0.50% · 4.625%
HK$27,777
+HK$1,391/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,772/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,252
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,069
−HK$830/mo
Today · 4.125%
HK$27,899
baseline
▲ 0.50% · 4.625%
HK$29,596
+HK$1,697/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,798/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,205
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,989
−HK$794/mo
Today · 4.125%
HK$30,783
baseline
▲ 0.50% · 4.625%
HK$32,406
+HK$1,623/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,566/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,753
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,803
−HK$1,067/mo
Today · 4.125%
HK$35,870
baseline
▲ 0.50% · 4.625%
HK$38,052
+HK$2,182/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,740/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,550
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,557
−HK$1,022/mo
Today · 4.125%
HK$39,579
baseline
▲ 0.50% · 4.625%
HK$41,665
+HK$2,086/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,158/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,705 · 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).