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$18,725
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,307
−HK$592/mo
Today · 4.125%
HK$19,899
baseline
▲ 0.50% · 4.625%
HK$21,110
+HK$1,211/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,798/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,831
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,390
−HK$566/mo
Today · 4.125%
HK$21,956
baseline
▲ 0.50% · 4.625%
HK$23,114
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,912/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,470
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,168
−HK$711/mo
Today · 4.125%
HK$23,879
baseline
▲ 0.50% · 4.625%
HK$25,332
+HK$1,453/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$47,758/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,997
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,668
−HK$680/mo
Today · 4.125%
HK$26,348
baseline
▲ 0.50% · 4.625%
HK$27,736
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$52,696/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,214
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,030
−HK$828/mo
Today · 4.125%
HK$27,858
baseline
▲ 0.50% · 4.625%
HK$29,553
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,716/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,163
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,945
−HK$794/mo
Today · 4.125%
HK$30,739
baseline
▲ 0.50% · 4.625%
HK$32,359
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,478/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,704
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,753
−HK$1,065/mo
Today · 4.125%
HK$35,818
baseline
▲ 0.50% · 4.625%
HK$37,997
+HK$2,179/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,636/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,496
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,501
−HK$1,020/mo
Today · 4.125%
HK$39,521
baseline
▲ 0.50% · 4.625%
HK$41,605
+HK$2,084/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,042/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,349 · 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).