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$18,765
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,349
−HK$593/mo
Today · 4.125%
HK$19,942
baseline
▲ 0.50% · 4.625%
HK$21,155
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,884/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,876
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,436
−HK$568/mo
Today · 4.125%
HK$22,004
baseline
▲ 0.50% · 4.625%
HK$23,164
+HK$1,160/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$44,008/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,518
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,219
−HK$711/mo
Today · 4.125%
HK$23,930
baseline
▲ 0.50% · 4.625%
HK$25,386
+HK$1,456/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,860/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,051
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,723
−HK$682/mo
Today · 4.125%
HK$26,405
baseline
▲ 0.50% · 4.625%
HK$27,796
+HK$1,391/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,810/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,271
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,088
−HK$831/mo
Today · 4.125%
HK$27,919
baseline
▲ 0.50% · 4.625%
HK$29,617
+HK$1,698/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,838/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,226
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,010
−HK$795/mo
Today · 4.125%
HK$30,805
baseline
▲ 0.50% · 4.625%
HK$32,429
+HK$1,624/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,610/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,777
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,828
−HK$1,067/mo
Today · 4.125%
HK$35,895
baseline
▲ 0.50% · 4.625%
HK$38,079
+HK$2,184/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,790/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,577
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,585
−HK$1,022/mo
Today · 4.125%
HK$39,607
baseline
▲ 0.50% · 4.625%
HK$41,695
+HK$2,088/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,214/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,882 · 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).