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$18,754
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,337
−HK$593/mo
Today · 4.125%
HK$19,930
baseline
▲ 0.50% · 4.625%
HK$21,142
+HK$1,212/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,860/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,863
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,423
−HK$568/mo
Today · 4.125%
HK$21,991
baseline
▲ 0.50% · 4.625%
HK$23,150
+HK$1,159/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,982/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,504
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,204
−HK$712/mo
Today · 4.125%
HK$23,916
baseline
▲ 0.50% · 4.625%
HK$25,371
+HK$1,455/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,832/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,036
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,707
−HK$682/mo
Today · 4.125%
HK$26,389
baseline
▲ 0.50% · 4.625%
HK$27,780
+HK$1,391/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,778/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,255
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,072
−HK$830/mo
Today · 4.125%
HK$27,902
baseline
▲ 0.50% · 4.625%
HK$29,599
+HK$1,697/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,804/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,209
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,992
−HK$795/mo
Today · 4.125%
HK$30,787
baseline
▲ 0.50% · 4.625%
HK$32,410
+HK$1,623/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,574/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,757
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,807
−HK$1,067/mo
Today · 4.125%
HK$35,874
baseline
▲ 0.50% · 4.625%
HK$38,056
+HK$2,182/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,748/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,554
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,561
−HK$1,022/mo
Today · 4.125%
HK$39,583
baseline
▲ 0.50% · 4.625%
HK$41,669
+HK$2,086/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,166/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,732 · 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).