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$18,734
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,317
−HK$592/mo
Today · 4.125%
HK$19,909
baseline
▲ 0.50% · 4.625%
HK$21,120
+HK$1,211/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,818/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,842
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,401
−HK$567/mo
Today · 4.125%
HK$21,968
baseline
▲ 0.50% · 4.625%
HK$23,126
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,936/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,481
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,180
−HK$711/mo
Today · 4.125%
HK$23,891
baseline
▲ 0.50% · 4.625%
HK$25,344
+HK$1,453/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,782/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,010
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,681
−HK$680/mo
Today · 4.125%
HK$26,361
baseline
▲ 0.50% · 4.625%
HK$27,751
+HK$1,390/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,722/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,228
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,044
−HK$829/mo
Today · 4.125%
HK$27,873
baseline
▲ 0.50% · 4.625%
HK$29,569
+HK$1,696/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,746/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,178
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,961
−HK$794/mo
Today · 4.125%
HK$30,755
baseline
▲ 0.50% · 4.625%
HK$32,376
+HK$1,621/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,510/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,722
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,770
−HK$1,066/mo
Today · 4.125%
HK$35,836
baseline
▲ 0.50% · 4.625%
HK$38,017
+HK$2,181/mo
Deposit HK$822K · loan HK$7.39M · min. income ≈ HK$71,672/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,515
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,521
−HK$1,021/mo
Today · 4.125%
HK$39,542
baseline
▲ 0.50% · 4.625%
HK$41,626
+HK$2,084/mo
Deposit HK$822K · loan HK$7.39M · min. income ≈ HK$79,084/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,475 · 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).