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$18,726
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,309
−HK$592/mo
Today · 4.125%
HK$19,901
baseline
▲ 0.50% · 4.625%
HK$21,111
+HK$1,210/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,802/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,833
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,391
−HK$567/mo
Today · 4.125%
HK$21,958
baseline
▲ 0.50% · 4.625%
HK$23,116
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,916/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,471
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,170
−HK$711/mo
Today · 4.125%
HK$23,881
baseline
▲ 0.50% · 4.625%
HK$25,334
+HK$1,453/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$47,762/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,999
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,670
−HK$680/mo
Today · 4.125%
HK$26,350
baseline
▲ 0.50% · 4.625%
HK$27,739
+HK$1,389/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$52,700/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,217
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,032
−HK$829/mo
Today · 4.125%
HK$27,861
baseline
▲ 0.50% · 4.625%
HK$29,556
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,722/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,166
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,948
−HK$794/mo
Today · 4.125%
HK$30,742
baseline
▲ 0.50% · 4.625%
HK$32,362
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,484/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,707
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,756
−HK$1,065/mo
Today · 4.125%
HK$35,821
baseline
▲ 0.50% · 4.625%
HK$38,001
+HK$2,180/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,642/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,499
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,505
−HK$1,020/mo
Today · 4.125%
HK$39,525
baseline
▲ 0.50% · 4.625%
HK$41,608
+HK$2,083/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,050/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,371 · 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).