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$18,735
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,318
−HK$592/mo
Today · 4.125%
HK$19,910
baseline
▲ 0.50% · 4.625%
HK$21,122
+HK$1,212/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,820/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,843
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,402
−HK$567/mo
Today · 4.125%
HK$21,969
baseline
▲ 0.50% · 4.625%
HK$23,127
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,938/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,482
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,182
−HK$710/mo
Today · 4.125%
HK$23,892
baseline
▲ 0.50% · 4.625%
HK$25,346
+HK$1,454/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,784/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,011
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,682
−HK$681/mo
Today · 4.125%
HK$26,363
baseline
▲ 0.50% · 4.625%
HK$27,752
+HK$1,389/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,726/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,229
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,045
−HK$829/mo
Today · 4.125%
HK$27,874
baseline
▲ 0.50% · 4.625%
HK$29,570
+HK$1,696/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,748/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,180
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,962
−HK$794/mo
Today · 4.125%
HK$30,756
baseline
▲ 0.50% · 4.625%
HK$32,378
+HK$1,622/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,512/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,723
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,772
−HK$1,066/mo
Today · 4.125%
HK$35,838
baseline
▲ 0.50% · 4.625%
HK$38,019
+HK$2,181/mo
Deposit HK$822K · loan HK$7.39M · min. income ≈ HK$71,676/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,517
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,523
−HK$1,021/mo
Today · 4.125%
HK$39,544
baseline
▲ 0.50% · 4.625%
HK$41,628
+HK$2,084/mo
Deposit HK$822K · loan HK$7.39M · min. income ≈ HK$79,088/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,489 · 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).