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$18,753
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,336
−HK$593/mo
Today · 4.125%
HK$19,929
baseline
▲ 0.50% · 4.625%
HK$21,141
+HK$1,212/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,858/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,862
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,422
−HK$567/mo
Today · 4.125%
HK$21,989
baseline
▲ 0.50% · 4.625%
HK$23,149
+HK$1,160/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,978/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,503
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,203
−HK$712/mo
Today · 4.125%
HK$23,915
baseline
▲ 0.50% · 4.625%
HK$25,370
+HK$1,455/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,830/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,035
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,706
−HK$681/mo
Today · 4.125%
HK$26,387
baseline
▲ 0.50% · 4.625%
HK$27,778
+HK$1,391/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,774/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,254
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,071
−HK$829/mo
Today · 4.125%
HK$27,900
baseline
▲ 0.50% · 4.625%
HK$29,598
+HK$1,698/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,800/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,207
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,991
−HK$794/mo
Today · 4.125%
HK$30,785
baseline
▲ 0.50% · 4.625%
HK$32,408
+HK$1,623/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,570/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,755
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,805
−HK$1,067/mo
Today · 4.125%
HK$35,872
baseline
▲ 0.50% · 4.625%
HK$38,055
+HK$2,183/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,744/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,552
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,559
−HK$1,022/mo
Today · 4.125%
HK$39,581
baseline
▲ 0.50% · 4.625%
HK$41,667
+HK$2,086/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,162/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,721 · 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).