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$18,739
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,322
−HK$592/mo
Today · 4.125%
HK$19,914
baseline
▲ 0.50% · 4.625%
HK$21,126
+HK$1,212/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,828/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,847
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,406
−HK$567/mo
Today · 4.125%
HK$21,973
baseline
▲ 0.50% · 4.625%
HK$23,132
+HK$1,159/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,946/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,487
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,187
−HK$710/mo
Today · 4.125%
HK$23,897
baseline
▲ 0.50% · 4.625%
HK$25,351
+HK$1,454/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,794/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,017
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,688
−HK$680/mo
Today · 4.125%
HK$26,368
baseline
▲ 0.50% · 4.625%
HK$27,758
+HK$1,390/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,736/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,235
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,051
−HK$829/mo
Today · 4.125%
HK$27,880
baseline
▲ 0.50% · 4.625%
HK$29,576
+HK$1,696/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$55,760/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,186
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,969
−HK$794/mo
Today · 4.125%
HK$30,763
baseline
▲ 0.50% · 4.625%
HK$32,384
+HK$1,621/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$61,526/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,731
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,780
−HK$1,066/mo
Today · 4.125%
HK$35,846
baseline
▲ 0.50% · 4.625%
HK$38,027
+HK$2,181/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,692/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,525
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,531
−HK$1,021/mo
Today · 4.125%
HK$39,552
baseline
▲ 0.50% · 4.625%
HK$41,637
+HK$2,085/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,104/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,541 · 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).