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$18,760
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,344
−HK$593/mo
Today · 4.125%
HK$19,937
baseline
▲ 0.50% · 4.625%
HK$21,150
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,874/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,871
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,430
−HK$568/mo
Today · 4.125%
HK$21,998
baseline
▲ 0.50% · 4.625%
HK$23,158
+HK$1,160/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,996/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,512
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,213
−HK$711/mo
Today · 4.125%
HK$23,924
baseline
▲ 0.50% · 4.625%
HK$25,380
+HK$1,456/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,848/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,045
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,717
−HK$681/mo
Today · 4.125%
HK$26,398
baseline
▲ 0.50% · 4.625%
HK$27,789
+HK$1,391/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,796/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,264
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,081
−HK$831/mo
Today · 4.125%
HK$27,912
baseline
▲ 0.50% · 4.625%
HK$29,610
+HK$1,698/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,824/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,219
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,003
−HK$795/mo
Today · 4.125%
HK$30,798
baseline
▲ 0.50% · 4.625%
HK$32,421
+HK$1,623/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,596/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,769
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,819
−HK$1,067/mo
Today · 4.125%
HK$35,886
baseline
▲ 0.50% · 4.625%
HK$38,070
+HK$2,184/mo
Deposit HK$823K · loan HK$7.40M · min. income ≈ HK$71,772/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,567
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,575
−HK$1,022/mo
Today · 4.125%
HK$39,597
baseline
▲ 0.50% · 4.625%
HK$41,684
+HK$2,087/mo
Deposit HK$823K · loan HK$7.40M · min. income ≈ HK$79,194/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,819 · 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).