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$18,738
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,321
−HK$592/mo
Today · 4.125%
HK$19,913
baseline
▲ 0.50% · 4.625%
HK$21,125
+HK$1,212/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,826/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,846
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,405
−HK$567/mo
Today · 4.125%
HK$21,972
baseline
▲ 0.50% · 4.625%
HK$23,130
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,944/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,486
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,185
−HK$711/mo
Today · 4.125%
HK$23,896
baseline
▲ 0.50% · 4.625%
HK$25,350
+HK$1,454/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,792/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,015
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,686
−HK$681/mo
Today · 4.125%
HK$26,367
baseline
▲ 0.50% · 4.625%
HK$27,756
+HK$1,389/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,734/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,233
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,049
−HK$829/mo
Today · 4.125%
HK$27,878
baseline
▲ 0.50% · 4.625%
HK$29,575
+HK$1,697/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$55,756/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,184
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,967
−HK$794/mo
Today · 4.125%
HK$30,761
baseline
▲ 0.50% · 4.625%
HK$32,383
+HK$1,622/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$61,522/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,729
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,778
−HK$1,066/mo
Today · 4.125%
HK$35,844
baseline
▲ 0.50% · 4.625%
HK$38,025
+HK$2,181/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,688/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,523
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,529
−HK$1,021/mo
Today · 4.125%
HK$39,550
baseline
▲ 0.50% · 4.625%
HK$41,635
+HK$2,085/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,100/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,527 · 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).