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$18,731
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,313
−HK$592/mo
Today · 4.125%
HK$19,905
baseline
▲ 0.50% · 4.625%
HK$21,116
+HK$1,211/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,810/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,837
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,396
−HK$567/mo
Today · 4.125%
HK$21,963
baseline
▲ 0.50% · 4.625%
HK$23,121
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,926/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,477
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,176
−HK$710/mo
Today · 4.125%
HK$23,886
baseline
▲ 0.50% · 4.625%
HK$25,339
+HK$1,453/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,772/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,005
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,676
−HK$680/mo
Today · 4.125%
HK$26,356
baseline
▲ 0.50% · 4.625%
HK$27,745
+HK$1,389/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,712/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,223
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,038
−HK$829/mo
Today · 4.125%
HK$27,867
baseline
▲ 0.50% · 4.625%
HK$29,563
+HK$1,696/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,734/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,172
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,955
−HK$794/mo
Today · 4.125%
HK$30,749
baseline
▲ 0.50% · 4.625%
HK$32,369
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,498/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,715
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,764
−HK$1,065/mo
Today · 4.125%
HK$35,829
baseline
▲ 0.50% · 4.625%
HK$38,009
+HK$2,180/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,658/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,507
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,513
−HK$1,021/mo
Today · 4.125%
HK$39,534
baseline
▲ 0.50% · 4.625%
HK$41,618
+HK$2,084/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,068/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,427 · 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).