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$18,715
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,297
−HK$591/mo
Today · 4.125%
HK$19,888
baseline
▲ 0.50% · 4.625%
HK$21,098
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,776/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,820
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,378
−HK$567/mo
Today · 4.125%
HK$21,945
baseline
▲ 0.50% · 4.625%
HK$23,102
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,890/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,458
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,156
−HK$710/mo
Today · 4.125%
HK$23,866
baseline
▲ 0.50% · 4.625%
HK$25,318
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,732/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,984
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,654
−HK$680/mo
Today · 4.125%
HK$26,334
baseline
▲ 0.50% · 4.625%
HK$27,722
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,668/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,201
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,016
−HK$828/mo
Today · 4.125%
HK$27,844
baseline
▲ 0.50% · 4.625%
HK$29,538
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,688/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,148
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,930
−HK$793/mo
Today · 4.125%
HK$30,723
baseline
▲ 0.50% · 4.625%
HK$32,342
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,446/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,687
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,734
−HK$1,065/mo
Today · 4.125%
HK$35,799
baseline
▲ 0.50% · 4.625%
HK$37,977
+HK$2,178/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,598/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,476
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,481
−HK$1,020/mo
Today · 4.125%
HK$39,501
baseline
▲ 0.50% · 4.625%
HK$41,583
+HK$2,082/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,002/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,219 · 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).