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$18,744
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,327
−HK$592/mo
Today · 4.125%
HK$19,919
baseline
▲ 0.50% · 4.625%
HK$21,132
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,838/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,853
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,412
−HK$567/mo
Today · 4.125%
HK$21,979
baseline
▲ 0.50% · 4.625%
HK$23,138
+HK$1,159/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,958/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,493
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,193
−HK$710/mo
Today · 4.125%
HK$23,903
baseline
▲ 0.50% · 4.625%
HK$25,358
+HK$1,455/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,806/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,023
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,694
−HK$681/mo
Today · 4.125%
HK$26,375
baseline
▲ 0.50% · 4.625%
HK$27,765
+HK$1,390/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,750/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,242
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,058
−HK$829/mo
Today · 4.125%
HK$27,887
baseline
▲ 0.50% · 4.625%
HK$29,584
+HK$1,697/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$55,774/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,194
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,977
−HK$794/mo
Today · 4.125%
HK$30,771
baseline
▲ 0.50% · 4.625%
HK$32,393
+HK$1,622/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$61,542/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,739
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,789
−HK$1,066/mo
Today · 4.125%
HK$35,855
baseline
▲ 0.50% · 4.625%
HK$38,037
+HK$2,182/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,710/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,535
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,541
−HK$1,021/mo
Today · 4.125%
HK$39,562
baseline
▲ 0.50% · 4.625%
HK$41,648
+HK$2,086/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,124/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,605 · 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).