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$18,716
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,299
−HK$591/mo
Today · 4.125%
HK$19,890
baseline
▲ 0.50% · 4.625%
HK$21,100
+HK$1,210/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$246,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,822
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,380
−HK$567/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$246,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,460
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,158
−HK$710/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$246,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,986
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,656
−HK$680/mo
Today · 4.125%
HK$26,336
baseline
▲ 0.50% · 4.625%
HK$27,724
+HK$1,388/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$246,242 · 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$246,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,151
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,932
−HK$794/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$246,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,690
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,738
−HK$1,064/mo
Today · 4.125%
HK$35,802
baseline
▲ 0.50% · 4.625%
HK$37,981
+HK$2,179/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,604/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,479
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,485
−HK$1,019/mo
Today · 4.125%
HK$39,504
baseline
▲ 0.50% · 4.625%
HK$41,587
+HK$2,083/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,008/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,242 · 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).