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$18,717
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,299
−HK$591/mo
Today · 4.125%
HK$19,890
baseline
▲ 0.50% · 4.625%
HK$21,101
+HK$1,211/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,780/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,822
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,381
−HK$566/mo
Today · 4.125%
HK$21,947
baseline
▲ 0.50% · 4.625%
HK$23,104
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,894/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,460
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,159
−HK$709/mo
Today · 4.125%
HK$23,868
baseline
▲ 0.50% · 4.625%
HK$25,321
+HK$1,453/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,736/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,986
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,657
−HK$679/mo
Today · 4.125%
HK$26,336
baseline
▲ 0.50% · 4.625%
HK$27,725
+HK$1,389/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,672/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,203
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,018
−HK$828/mo
Today · 4.125%
HK$27,846
baseline
▲ 0.50% · 4.625%
HK$29,541
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,692/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,151
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,933
−HK$793/mo
Today · 4.125%
HK$30,726
baseline
▲ 0.50% · 4.625%
HK$32,345
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,452/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,690
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,738
−HK$1,065/mo
Today · 4.125%
HK$35,803
baseline
▲ 0.50% · 4.625%
HK$37,981
+HK$2,178/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,606/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,480
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,485
−HK$1,020/mo
Today · 4.125%
HK$39,505
baseline
▲ 0.50% · 4.625%
HK$41,587
+HK$2,082/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,010/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,244 · 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).