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$18,762
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,346
−HK$593/mo
Today · 4.125%
HK$19,939
baseline
▲ 0.50% · 4.625%
HK$21,152
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,878/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,873
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,433
−HK$568/mo
Today · 4.125%
HK$22,001
baseline
▲ 0.50% · 4.625%
HK$23,160
+HK$1,159/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$44,002/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,515
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,215
−HK$712/mo
Today · 4.125%
HK$23,927
baseline
▲ 0.50% · 4.625%
HK$25,382
+HK$1,455/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,854/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,047
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,719
−HK$682/mo
Today · 4.125%
HK$26,401
baseline
▲ 0.50% · 4.625%
HK$27,792
+HK$1,391/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,802/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,267
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,084
−HK$830/mo
Today · 4.125%
HK$27,914
baseline
▲ 0.50% · 4.625%
HK$29,613
+HK$1,699/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,828/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,222
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,006
−HK$795/mo
Today · 4.125%
HK$30,801
baseline
▲ 0.50% · 4.625%
HK$32,424
+HK$1,623/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,602/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,772
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,823
−HK$1,067/mo
Today · 4.125%
HK$35,890
baseline
▲ 0.50% · 4.625%
HK$38,074
+HK$2,184/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,780/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,571
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,579
−HK$1,022/mo
Today · 4.125%
HK$39,601
baseline
▲ 0.50% · 4.625%
HK$41,688
+HK$2,087/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,202/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,844 · 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).