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$18,714
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,297
−HK$591/mo
Today · 4.125%
HK$19,888
baseline
▲ 0.50% · 4.625%
HK$21,098
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,776/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,820
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,378
−HK$566/mo
Today · 4.125%
HK$21,944
baseline
▲ 0.50% · 4.625%
HK$23,101
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,888/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,457
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,156
−HK$710/mo
Today · 4.125%
HK$23,866
baseline
▲ 0.50% · 4.625%
HK$25,318
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,732/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,984
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,654
−HK$679/mo
Today · 4.125%
HK$26,333
baseline
▲ 0.50% · 4.625%
HK$27,721
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,666/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,200
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,015
−HK$828/mo
Today · 4.125%
HK$27,843
baseline
▲ 0.50% · 4.625%
HK$29,537
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,686/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,148
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,929
−HK$793/mo
Today · 4.125%
HK$30,722
baseline
▲ 0.50% · 4.625%
HK$32,342
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,444/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,686
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,734
−HK$1,064/mo
Today · 4.125%
HK$35,798
baseline
▲ 0.50% · 4.625%
HK$37,977
+HK$2,179/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,596/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,475
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,480
−HK$1,020/mo
Today · 4.125%
HK$39,500
baseline
▲ 0.50% · 4.625%
HK$41,582
+HK$2,082/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,000/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,216 · 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).