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$18,716
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,298
−HK$591/mo
Today · 4.125%
HK$19,889
baseline
▲ 0.50% · 4.625%
HK$21,099
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,778/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,821
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,379
−HK$567/mo
Today · 4.125%
HK$21,946
baseline
▲ 0.50% · 4.625%
HK$23,103
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,892/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,459
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,157
−HK$710/mo
Today · 4.125%
HK$23,867
baseline
▲ 0.50% · 4.625%
HK$25,319
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,734/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,985
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,655
−HK$680/mo
Today · 4.125%
HK$26,335
baseline
▲ 0.50% · 4.625%
HK$27,723
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,670/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,202
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,017
−HK$828/mo
Today · 4.125%
HK$27,845
baseline
▲ 0.50% · 4.625%
HK$29,539
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,690/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,149
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,931
−HK$793/mo
Today · 4.125%
HK$30,724
baseline
▲ 0.50% · 4.625%
HK$32,344
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,448/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,688
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,736
−HK$1,065/mo
Today · 4.125%
HK$35,801
baseline
▲ 0.50% · 4.625%
HK$37,979
+HK$2,178/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,602/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,478
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,483
−HK$1,020/mo
Today · 4.125%
HK$39,503
baseline
▲ 0.50% · 4.625%
HK$41,585
+HK$2,082/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,006/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,231 · 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).