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$18,763
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,347
−HK$593/mo
Today · 4.125%
HK$19,940
baseline
▲ 0.50% · 4.625%
HK$21,153
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,880/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,874
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,433
−HK$568/mo
Today · 4.125%
HK$22,001
baseline
▲ 0.50% · 4.625%
HK$23,161
+HK$1,160/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$44,002/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,516
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,216
−HK$711/mo
Today · 4.125%
HK$23,927
baseline
▲ 0.50% · 4.625%
HK$25,383
+HK$1,456/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,854/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,048
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,720
−HK$682/mo
Today · 4.125%
HK$26,402
baseline
▲ 0.50% · 4.625%
HK$27,793
+HK$1,391/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,804/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,268
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,085
−HK$830/mo
Today · 4.125%
HK$27,915
baseline
▲ 0.50% · 4.625%
HK$29,614
+HK$1,699/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,830/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,223
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,007
−HK$795/mo
Today · 4.125%
HK$30,802
baseline
▲ 0.50% · 4.625%
HK$32,425
+HK$1,623/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,604/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,773
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,824
−HK$1,067/mo
Today · 4.125%
HK$35,891
baseline
▲ 0.50% · 4.625%
HK$38,075
+HK$2,184/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,782/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,572
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,580
−HK$1,022/mo
Today · 4.125%
HK$39,602
baseline
▲ 0.50% · 4.625%
HK$41,690
+HK$2,088/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,204/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,853 · 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).