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$18,769
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,352
−HK$594/mo
Today · 4.125%
HK$19,946
baseline
▲ 0.50% · 4.625%
HK$21,159
+HK$1,213/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,892/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,880
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,440
−HK$568/mo
Today · 4.125%
HK$22,008
baseline
▲ 0.50% · 4.625%
HK$23,168
+HK$1,160/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,016/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,522
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,223
−HK$712/mo
Today · 4.125%
HK$23,935
baseline
▲ 0.50% · 4.625%
HK$25,391
+HK$1,456/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,870/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,056
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,728
−HK$682/mo
Today · 4.125%
HK$26,410
baseline
▲ 0.50% · 4.625%
HK$27,802
+HK$1,392/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,820/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,276
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,093
−HK$831/mo
Today · 4.125%
HK$27,924
baseline
▲ 0.50% · 4.625%
HK$29,623
+HK$1,699/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,848/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,232
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,016
−HK$795/mo
Today · 4.125%
HK$30,811
baseline
▲ 0.50% · 4.625%
HK$32,435
+HK$1,624/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,622/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,784
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,834
−HK$1,068/mo
Today · 4.125%
HK$35,902
baseline
▲ 0.50% · 4.625%
HK$38,087
+HK$2,185/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,804/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,584
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,592
−HK$1,022/mo
Today · 4.125%
HK$39,614
baseline
▲ 0.50% · 4.625%
HK$41,703
+HK$2,089/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,228/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,929 · 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).