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$18,753
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,336
−HK$593/mo
Today · 4.125%
HK$19,929
baseline
▲ 0.50% · 4.625%
HK$21,142
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,858/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,863
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,422
−HK$568/mo
Today · 4.125%
HK$21,990
baseline
▲ 0.50% · 4.625%
HK$23,149
+HK$1,159/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,980/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,504
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,204
−HK$711/mo
Today · 4.125%
HK$23,915
baseline
▲ 0.50% · 4.625%
HK$25,370
+HK$1,455/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,830/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,035
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,707
−HK$681/mo
Today · 4.125%
HK$26,388
baseline
▲ 0.50% · 4.625%
HK$27,779
+HK$1,391/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,776/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,254
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,071
−HK$830/mo
Today · 4.125%
HK$27,901
baseline
▲ 0.50% · 4.625%
HK$29,598
+HK$1,697/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,802/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,208
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,991
−HK$795/mo
Today · 4.125%
HK$30,786
baseline
▲ 0.50% · 4.625%
HK$32,408
+HK$1,622/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,572/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,755
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,805
−HK$1,067/mo
Today · 4.125%
HK$35,872
baseline
▲ 0.50% · 4.625%
HK$38,055
+HK$2,183/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,744/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,553
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,560
−HK$1,021/mo
Today · 4.125%
HK$39,581
baseline
▲ 0.50% · 4.625%
HK$41,668
+HK$2,087/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,162/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,723 · 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).