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$18,737
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,320
−HK$592/mo
Today · 4.125%
HK$19,912
baseline
▲ 0.50% · 4.625%
HK$21,124
+HK$1,212/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,824/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,845
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,404
−HK$567/mo
Today · 4.125%
HK$21,971
baseline
▲ 0.50% · 4.625%
HK$23,129
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,942/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,484
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,184
−HK$710/mo
Today · 4.125%
HK$23,894
baseline
▲ 0.50% · 4.625%
HK$25,348
+HK$1,454/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,788/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,014
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,684
−HK$681/mo
Today · 4.125%
HK$26,365
baseline
▲ 0.50% · 4.625%
HK$27,755
+HK$1,390/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,730/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,232
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,048
−HK$829/mo
Today · 4.125%
HK$27,877
baseline
▲ 0.50% · 4.625%
HK$29,573
+HK$1,696/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$55,754/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,183
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,965
−HK$794/mo
Today · 4.125%
HK$30,759
baseline
▲ 0.50% · 4.625%
HK$32,381
+HK$1,622/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$61,518/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,727
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,776
−HK$1,065/mo
Today · 4.125%
HK$35,841
baseline
▲ 0.50% · 4.625%
HK$38,022
+HK$2,181/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,682/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,520
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,527
−HK$1,021/mo
Today · 4.125%
HK$39,548
baseline
▲ 0.50% · 4.625%
HK$41,632
+HK$2,084/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,096/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,512 · 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).