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$18,772
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,356
−HK$593/mo
Today · 4.125%
HK$19,949
baseline
▲ 0.50% · 4.625%
HK$21,163
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,898/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,883
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,443
−HK$569/mo
Today · 4.125%
HK$22,012
baseline
▲ 0.50% · 4.625%
HK$23,172
+HK$1,160/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,024/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,526
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,227
−HK$712/mo
Today · 4.125%
HK$23,939
baseline
▲ 0.50% · 4.625%
HK$25,395
+HK$1,456/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,878/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,060
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,732
−HK$682/mo
Today · 4.125%
HK$26,414
baseline
▲ 0.50% · 4.625%
HK$27,806
+HK$1,392/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,828/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,280
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,098
−HK$830/mo
Today · 4.125%
HK$27,928
baseline
▲ 0.50% · 4.625%
HK$29,628
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,856/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,237
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,021
−HK$795/mo
Today · 4.125%
HK$30,816
baseline
▲ 0.50% · 4.625%
HK$32,441
+HK$1,625/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,632/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,789
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,840
−HK$1,068/mo
Today · 4.125%
HK$35,908
baseline
▲ 0.50% · 4.625%
HK$38,093
+HK$2,185/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,816/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,590
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,598
−HK$1,023/mo
Today · 4.125%
HK$39,621
baseline
▲ 0.50% · 4.625%
HK$41,709
+HK$2,088/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,242/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,970 · 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).