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$18,758
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,341
−HK$593/mo
Today · 4.125%
HK$19,934
baseline
▲ 0.50% · 4.625%
HK$21,147
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,868/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,868
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,428
−HK$567/mo
Today · 4.125%
HK$21,995
baseline
▲ 0.50% · 4.625%
HK$23,155
+HK$1,160/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,990/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,509
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,210
−HK$711/mo
Today · 4.125%
HK$23,921
baseline
▲ 0.50% · 4.625%
HK$25,376
+HK$1,455/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,842/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,041
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,713
−HK$681/mo
Today · 4.125%
HK$26,394
baseline
▲ 0.50% · 4.625%
HK$27,786
+HK$1,392/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,788/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,261
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,078
−HK$830/mo
Today · 4.125%
HK$27,908
baseline
▲ 0.50% · 4.625%
HK$29,606
+HK$1,698/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,816/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,215
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,999
−HK$794/mo
Today · 4.125%
HK$30,793
baseline
▲ 0.50% · 4.625%
HK$32,417
+HK$1,624/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,586/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,764
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,814
−HK$1,067/mo
Today · 4.125%
HK$35,881
baseline
▲ 0.50% · 4.625%
HK$38,065
+HK$2,184/mo
Deposit HK$823K · loan HK$7.40M · min. income ≈ HK$71,762/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,562
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,570
−HK$1,022/mo
Today · 4.125%
HK$39,592
baseline
▲ 0.50% · 4.625%
HK$41,678
+HK$2,086/mo
Deposit HK$823K · loan HK$7.40M · min. income ≈ HK$79,184/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,786 · 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).