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$18,767
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,350
−HK$593/mo
Today · 4.125%
HK$19,943
baseline
▲ 0.50% · 4.625%
HK$21,157
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,886/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,878
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,438
−HK$568/mo
Today · 4.125%
HK$22,006
baseline
▲ 0.50% · 4.625%
HK$23,166
+HK$1,160/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,012/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,520
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,220
−HK$712/mo
Today · 4.125%
HK$23,932
baseline
▲ 0.50% · 4.625%
HK$25,388
+HK$1,456/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,864/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,053
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,725
−HK$682/mo
Today · 4.125%
HK$26,407
baseline
▲ 0.50% · 4.625%
HK$27,799
+HK$1,392/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,814/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,273
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,091
−HK$830/mo
Today · 4.125%
HK$27,921
baseline
▲ 0.50% · 4.625%
HK$29,620
+HK$1,699/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,842/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,229
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,013
−HK$795/mo
Today · 4.125%
HK$30,808
baseline
▲ 0.50% · 4.625%
HK$32,432
+HK$1,624/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,616/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,780
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,831
−HK$1,067/mo
Today · 4.125%
HK$35,898
baseline
▲ 0.50% · 4.625%
HK$38,083
+HK$2,185/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,796/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,580
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,588
−HK$1,022/mo
Today · 4.125%
HK$39,610
baseline
▲ 0.50% · 4.625%
HK$41,698
+HK$2,088/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,220/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,903 · 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).