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$18,721
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,303
−HK$591/mo
Today · 4.125%
HK$19,894
baseline
▲ 0.50% · 4.625%
HK$21,105
+HK$1,211/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,788/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,826
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,385
−HK$567/mo
Today · 4.125%
HK$21,952
baseline
▲ 0.50% · 4.625%
HK$23,109
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,904/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,465
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,163
−HK$710/mo
Today · 4.125%
HK$23,873
baseline
▲ 0.50% · 4.625%
HK$25,326
+HK$1,453/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$47,746/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,992
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,662
−HK$680/mo
Today · 4.125%
HK$26,342
baseline
▲ 0.50% · 4.625%
HK$27,730
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$52,684/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,209
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,024
−HK$828/mo
Today · 4.125%
HK$27,852
baseline
▲ 0.50% · 4.625%
HK$29,547
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,704/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,157
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,939
−HK$793/mo
Today · 4.125%
HK$30,732
baseline
▲ 0.50% · 4.625%
HK$32,352
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,464/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,697
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,745
−HK$1,065/mo
Today · 4.125%
HK$35,810
baseline
▲ 0.50% · 4.625%
HK$37,989
+HK$2,179/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,620/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,487
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,493
−HK$1,020/mo
Today · 4.125%
HK$39,513
baseline
▲ 0.50% · 4.625%
HK$41,596
+HK$2,083/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,026/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,295 · 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).