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$18,723
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,305
−HK$592/mo
Today · 4.125%
HK$19,897
baseline
▲ 0.50% · 4.625%
HK$21,108
+HK$1,211/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,794/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,829
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,388
−HK$567/mo
Today · 4.125%
HK$21,955
baseline
▲ 0.50% · 4.625%
HK$23,112
+HK$1,157/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,910/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,468
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,167
−HK$710/mo
Today · 4.125%
HK$23,877
baseline
▲ 0.50% · 4.625%
HK$25,329
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$47,754/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,995
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,665
−HK$681/mo
Today · 4.125%
HK$26,346
baseline
▲ 0.50% · 4.625%
HK$27,734
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$52,692/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,212
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,028
−HK$828/mo
Today · 4.125%
HK$27,856
baseline
▲ 0.50% · 4.625%
HK$29,551
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,712/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,161
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,943
−HK$793/mo
Today · 4.125%
HK$30,736
baseline
▲ 0.50% · 4.625%
HK$32,357
+HK$1,621/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,472/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,702
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,750
−HK$1,065/mo
Today · 4.125%
HK$35,815
baseline
▲ 0.50% · 4.625%
HK$37,994
+HK$2,179/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,630/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,493
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,498
−HK$1,020/mo
Today · 4.125%
HK$39,518
baseline
▲ 0.50% · 4.625%
HK$41,601
+HK$2,083/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,036/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,329 · 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).