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$18,727
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,310
−HK$592/mo
Today · 4.125%
HK$19,902
baseline
▲ 0.50% · 4.625%
HK$21,113
+HK$1,211/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,804/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,834
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,393
−HK$566/mo
Today · 4.125%
HK$21,959
baseline
▲ 0.50% · 4.625%
HK$23,117
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,918/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,473
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,172
−HK$710/mo
Today · 4.125%
HK$23,882
baseline
▲ 0.50% · 4.625%
HK$25,335
+HK$1,453/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,764/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,001
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,671
−HK$680/mo
Today · 4.125%
HK$26,351
baseline
▲ 0.50% · 4.625%
HK$27,740
+HK$1,389/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,702/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,218
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,034
−HK$828/mo
Today · 4.125%
HK$27,862
baseline
▲ 0.50% · 4.625%
HK$29,558
+HK$1,696/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,724/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,167
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,950
−HK$793/mo
Today · 4.125%
HK$30,743
baseline
▲ 0.50% · 4.625%
HK$32,364
+HK$1,621/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,486/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,709
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,758
−HK$1,065/mo
Today · 4.125%
HK$35,823
baseline
▲ 0.50% · 4.625%
HK$38,003
+HK$2,180/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,646/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,501
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,507
−HK$1,020/mo
Today · 4.125%
HK$39,527
baseline
▲ 0.50% · 4.625%
HK$41,610
+HK$2,083/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,054/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,384 · 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).