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$18,717
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,299
−HK$592/mo
Today · 4.125%
HK$19,891
baseline
▲ 0.50% · 4.625%
HK$21,101
+HK$1,210/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$246,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,823
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,381
−HK$567/mo
Today · 4.125%
HK$21,948
baseline
▲ 0.50% · 4.625%
HK$23,104
+HK$1,156/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$246,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,460
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,159
−HK$710/mo
Today · 4.125%
HK$23,869
baseline
▲ 0.50% · 4.625%
HK$25,321
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,738/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,987
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,657
−HK$680/mo
Today · 4.125%
HK$26,337
baseline
▲ 0.50% · 4.625%
HK$27,725
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,674/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,204
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,019
−HK$828/mo
Today · 4.125%
HK$27,847
baseline
▲ 0.50% · 4.625%
HK$29,542
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,694/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,152
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,933
−HK$794/mo
Today · 4.125%
HK$30,727
baseline
▲ 0.50% · 4.625%
HK$32,346
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,454/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,691
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,739
−HK$1,064/mo
Today · 4.125%
HK$35,803
baseline
▲ 0.50% · 4.625%
HK$37,982
+HK$2,179/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,606/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,481
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,486
−HK$1,020/mo
Today · 4.125%
HK$39,506
baseline
▲ 0.50% · 4.625%
HK$41,588
+HK$2,082/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,012/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,250 · 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).