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$18,770
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,354
−HK$593/mo
Today · 4.125%
HK$19,947
baseline
▲ 0.50% · 4.625%
HK$21,160
+HK$1,213/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,894/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,881
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,441
−HK$568/mo
Today · 4.125%
HK$22,009
baseline
▲ 0.50% · 4.625%
HK$23,169
+HK$1,160/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,018/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,524
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,224
−HK$712/mo
Today · 4.125%
HK$23,936
baseline
▲ 0.50% · 4.625%
HK$25,392
+HK$1,456/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,872/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,057
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,729
−HK$682/mo
Today · 4.125%
HK$26,411
baseline
▲ 0.50% · 4.625%
HK$27,803
+HK$1,392/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,822/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,278
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,095
−HK$830/mo
Today · 4.125%
HK$27,925
baseline
▲ 0.50% · 4.625%
HK$29,625
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,850/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,233
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,018
−HK$795/mo
Today · 4.125%
HK$30,813
baseline
▲ 0.50% · 4.625%
HK$32,437
+HK$1,624/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,626/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,785
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,836
−HK$1,068/mo
Today · 4.125%
HK$35,904
baseline
▲ 0.50% · 4.625%
HK$38,089
+HK$2,185/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,808/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,586
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,594
−HK$1,023/mo
Today · 4.125%
HK$39,617
baseline
▲ 0.50% · 4.625%
HK$41,705
+HK$2,088/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,234/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,942 · 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).