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$18,756
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,340
−HK$592/mo
Today · 4.125%
HK$19,932
baseline
▲ 0.50% · 4.625%
HK$21,145
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,864/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,866
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,426
−HK$567/mo
Today · 4.125%
HK$21,993
baseline
▲ 0.50% · 4.625%
HK$23,153
+HK$1,160/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,986/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,507
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,208
−HK$711/mo
Today · 4.125%
HK$23,919
baseline
▲ 0.50% · 4.625%
HK$25,374
+HK$1,455/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,838/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,039
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,711
−HK$681/mo
Today · 4.125%
HK$26,392
baseline
▲ 0.50% · 4.625%
HK$27,783
+HK$1,391/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,784/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,259
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,075
−HK$830/mo
Today · 4.125%
HK$27,905
baseline
▲ 0.50% · 4.625%
HK$29,603
+HK$1,698/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,810/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,213
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,996
−HK$795/mo
Today · 4.125%
HK$30,791
baseline
▲ 0.50% · 4.625%
HK$32,414
+HK$1,623/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,582/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,761
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,811
−HK$1,067/mo
Today · 4.125%
HK$35,878
baseline
▲ 0.50% · 4.625%
HK$38,061
+HK$2,183/mo
Deposit HK$823K · loan HK$7.40M · min. income ≈ HK$71,756/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,559
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,566
−HK$1,022/mo
Today · 4.125%
HK$39,588
baseline
▲ 0.50% · 4.625%
HK$41,675
+HK$2,087/mo
Deposit HK$823K · loan HK$7.40M · min. income ≈ HK$79,176/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,765 · 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).