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$18,768
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,351
−HK$594/mo
Today · 4.125%
HK$19,945
baseline
▲ 0.50% · 4.625%
HK$21,158
+HK$1,213/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,890/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,879
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,439
−HK$568/mo
Today · 4.125%
HK$22,007
baseline
▲ 0.50% · 4.625%
HK$23,167
+HK$1,160/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,014/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,521
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,222
−HK$712/mo
Today · 4.125%
HK$23,934
baseline
▲ 0.50% · 4.625%
HK$25,390
+HK$1,456/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,868/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,055
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,727
−HK$681/mo
Today · 4.125%
HK$26,408
baseline
▲ 0.50% · 4.625%
HK$27,800
+HK$1,392/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,816/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,275
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,092
−HK$830/mo
Today · 4.125%
HK$27,922
baseline
▲ 0.50% · 4.625%
HK$29,621
+HK$1,699/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,844/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,230
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,014
−HK$796/mo
Today · 4.125%
HK$30,810
baseline
▲ 0.50% · 4.625%
HK$32,434
+HK$1,624/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,620/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,782
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,833
−HK$1,067/mo
Today · 4.125%
HK$35,900
baseline
▲ 0.50% · 4.625%
HK$38,085
+HK$2,185/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,800/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,582
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,590
−HK$1,022/mo
Today · 4.125%
HK$39,612
baseline
▲ 0.50% · 4.625%
HK$41,700
+HK$2,088/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,224/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,916 · 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).