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$18,720
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,302
−HK$592/mo
Today · 4.125%
HK$19,894
baseline
▲ 0.50% · 4.625%
HK$21,105
+HK$1,211/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,788/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,826
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,384
−HK$567/mo
Today · 4.125%
HK$21,951
baseline
▲ 0.50% · 4.625%
HK$23,108
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,902/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,464
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,163
−HK$710/mo
Today · 4.125%
HK$23,873
baseline
▲ 0.50% · 4.625%
HK$25,325
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$47,746/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,991
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,661
−HK$680/mo
Today · 4.125%
HK$26,341
baseline
▲ 0.50% · 4.625%
HK$27,730
+HK$1,389/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$52,682/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,208
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,023
−HK$829/mo
Today · 4.125%
HK$27,852
baseline
▲ 0.50% · 4.625%
HK$29,546
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,704/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,156
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,938
−HK$794/mo
Today · 4.125%
HK$30,732
baseline
▲ 0.50% · 4.625%
HK$32,351
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,464/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,696
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,744
−HK$1,065/mo
Today · 4.125%
HK$35,809
baseline
▲ 0.50% · 4.625%
HK$37,988
+HK$2,179/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,618/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,487
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,492
−HK$1,020/mo
Today · 4.125%
HK$39,512
baseline
▲ 0.50% · 4.625%
HK$41,595
+HK$2,083/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,024/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,290 · 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).