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$18,759
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,343
−HK$592/mo
Today · 4.125%
HK$19,935
baseline
▲ 0.50% · 4.625%
HK$21,148
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,870/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,869
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,429
−HK$568/mo
Today · 4.125%
HK$21,997
baseline
▲ 0.50% · 4.625%
HK$23,156
+HK$1,159/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,994/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,511
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,211
−HK$711/mo
Today · 4.125%
HK$23,922
baseline
▲ 0.50% · 4.625%
HK$25,378
+HK$1,456/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,844/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,043
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,715
−HK$681/mo
Today · 4.125%
HK$26,396
baseline
▲ 0.50% · 4.625%
HK$27,787
+HK$1,391/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,792/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,263
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,080
−HK$830/mo
Today · 4.125%
HK$27,910
baseline
▲ 0.50% · 4.625%
HK$29,608
+HK$1,698/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,820/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,217
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$30,001
−HK$794/mo
Today · 4.125%
HK$30,795
baseline
▲ 0.50% · 4.625%
HK$32,419
+HK$1,624/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,590/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,766
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,817
−HK$1,067/mo
Today · 4.125%
HK$35,884
baseline
▲ 0.50% · 4.625%
HK$38,067
+HK$2,183/mo
Deposit HK$823K · loan HK$7.40M · min. income ≈ HK$71,768/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,565
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,572
−HK$1,022/mo
Today · 4.125%
HK$39,594
baseline
▲ 0.50% · 4.625%
HK$41,681
+HK$2,087/mo
Deposit HK$823K · loan HK$7.40M · min. income ≈ HK$79,188/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,802 · 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).