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$18,734
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,316
−HK$592/mo
Today · 4.125%
HK$19,908
baseline
▲ 0.50% · 4.625%
HK$21,120
+HK$1,212/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,816/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,841
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,400
−HK$567/mo
Today · 4.125%
HK$21,967
baseline
▲ 0.50% · 4.625%
HK$23,125
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,934/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,480
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,179
−HK$711/mo
Today · 4.125%
HK$23,890
baseline
▲ 0.50% · 4.625%
HK$25,344
+HK$1,454/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,780/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,009
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,680
−HK$680/mo
Today · 4.125%
HK$26,360
baseline
▲ 0.50% · 4.625%
HK$27,750
+HK$1,390/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,720/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,227
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,043
−HK$829/mo
Today · 4.125%
HK$27,872
baseline
▲ 0.50% · 4.625%
HK$29,568
+HK$1,696/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,744/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,177
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,960
−HK$794/mo
Today · 4.125%
HK$30,754
baseline
▲ 0.50% · 4.625%
HK$32,375
+HK$1,621/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,508/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,720
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,769
−HK$1,066/mo
Today · 4.125%
HK$35,835
baseline
▲ 0.50% · 4.625%
HK$38,015
+HK$2,180/mo
Deposit HK$822K · loan HK$7.39M · min. income ≈ HK$71,670/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,514
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,520
−HK$1,020/mo
Today · 4.125%
HK$39,540
baseline
▲ 0.50% · 4.625%
HK$41,624
+HK$2,084/mo
Deposit HK$822K · loan HK$7.39M · min. income ≈ HK$79,080/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,466 · 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).