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$18,743
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,326
−HK$593/mo
Today · 4.125%
HK$19,919
baseline
▲ 0.50% · 4.625%
HK$21,131
+HK$1,212/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,838/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,852
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,411
−HK$567/mo
Today · 4.125%
HK$21,978
baseline
▲ 0.50% · 4.625%
HK$23,137
+HK$1,159/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,956/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,492
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,192
−HK$711/mo
Today · 4.125%
HK$23,903
baseline
▲ 0.50% · 4.625%
HK$25,357
+HK$1,454/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,806/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,022
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,693
−HK$681/mo
Today · 4.125%
HK$26,374
baseline
▲ 0.50% · 4.625%
HK$27,764
+HK$1,390/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,748/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,241
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,057
−HK$829/mo
Today · 4.125%
HK$27,886
baseline
▲ 0.50% · 4.625%
HK$29,583
+HK$1,697/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$55,772/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,193
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,976
−HK$794/mo
Today · 4.125%
HK$30,770
baseline
▲ 0.50% · 4.625%
HK$32,392
+HK$1,622/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$61,540/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,738
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,788
−HK$1,066/mo
Today · 4.125%
HK$35,854
baseline
▲ 0.50% · 4.625%
HK$38,036
+HK$2,182/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,708/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,533
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,540
−HK$1,021/mo
Today · 4.125%
HK$39,561
baseline
▲ 0.50% · 4.625%
HK$41,647
+HK$2,086/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,122/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,597 · 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).