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$18,747
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,331
−HK$592/mo
Today · 4.125%
HK$19,923
baseline
▲ 0.50% · 4.625%
HK$21,135
+HK$1,212/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,846/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,856
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,416
−HK$567/mo
Today · 4.125%
HK$21,983
baseline
▲ 0.50% · 4.625%
HK$23,142
+HK$1,159/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,966/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,497
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,197
−HK$711/mo
Today · 4.125%
HK$23,908
baseline
▲ 0.50% · 4.625%
HK$25,362
+HK$1,454/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,816/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,028
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,699
−HK$681/mo
Today · 4.125%
HK$26,380
baseline
▲ 0.50% · 4.625%
HK$27,770
+HK$1,390/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,760/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,246
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,063
−HK$829/mo
Today · 4.125%
HK$27,892
baseline
▲ 0.50% · 4.625%
HK$29,590
+HK$1,698/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,784/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,199
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,982
−HK$794/mo
Today · 4.125%
HK$30,776
baseline
▲ 0.50% · 4.625%
HK$32,399
+HK$1,623/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,552/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,745
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,795
−HK$1,067/mo
Today · 4.125%
HK$35,862
baseline
▲ 0.50% · 4.625%
HK$38,044
+HK$2,182/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,724/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,541
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,548
−HK$1,022/mo
Today · 4.125%
HK$39,570
baseline
▲ 0.50% · 4.625%
HK$41,655
+HK$2,085/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,140/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,650 · 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).