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$18,722
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,305
−HK$591/mo
Today · 4.125%
HK$19,896
baseline
▲ 0.50% · 4.625%
HK$21,107
+HK$1,211/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,792/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,829
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,387
−HK$567/mo
Today · 4.125%
HK$21,954
baseline
▲ 0.50% · 4.625%
HK$23,111
+HK$1,157/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,908/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,467
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,166
−HK$710/mo
Today · 4.125%
HK$23,876
baseline
▲ 0.50% · 4.625%
HK$25,329
+HK$1,453/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$47,752/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,994
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,665
−HK$680/mo
Today · 4.125%
HK$26,345
baseline
▲ 0.50% · 4.625%
HK$27,733
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$52,690/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,211
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,027
−HK$828/mo
Today · 4.125%
HK$27,855
baseline
▲ 0.50% · 4.625%
HK$29,550
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,710/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,160
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,942
−HK$793/mo
Today · 4.125%
HK$30,735
baseline
▲ 0.50% · 4.625%
HK$32,355
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,470/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,700
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,749
−HK$1,065/mo
Today · 4.125%
HK$35,814
baseline
▲ 0.50% · 4.625%
HK$37,993
+HK$2,179/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,628/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,491
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,497
−HK$1,020/mo
Today · 4.125%
HK$39,517
baseline
▲ 0.50% · 4.625%
HK$41,600
+HK$2,083/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,034/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,321 · 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).