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$18,718
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,300
−HK$591/mo
Today · 4.125%
HK$19,891
baseline
▲ 0.50% · 4.625%
HK$21,102
+HK$1,211/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,782/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,823
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,382
−HK$566/mo
Today · 4.125%
HK$21,948
baseline
▲ 0.50% · 4.625%
HK$23,105
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,896/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,461
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,160
−HK$710/mo
Today · 4.125%
HK$23,870
baseline
▲ 0.50% · 4.625%
HK$25,322
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$47,740/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,988
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,658
−HK$680/mo
Today · 4.125%
HK$26,338
baseline
▲ 0.50% · 4.625%
HK$27,726
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$52,676/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,205
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,020
−HK$828/mo
Today · 4.125%
HK$27,848
baseline
▲ 0.50% · 4.625%
HK$29,542
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,696/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,152
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,934
−HK$794/mo
Today · 4.125%
HK$30,728
baseline
▲ 0.50% · 4.625%
HK$32,347
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,456/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,692
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,740
−HK$1,065/mo
Today · 4.125%
HK$35,805
baseline
▲ 0.50% · 4.625%
HK$37,983
+HK$2,178/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,610/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,482
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,487
−HK$1,020/mo
Today · 4.125%
HK$39,507
baseline
▲ 0.50% · 4.625%
HK$41,589
+HK$2,082/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,014/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,258 · 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).