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$18,746
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,329
−HK$592/mo
Today · 4.125%
HK$19,921
baseline
▲ 0.50% · 4.625%
HK$21,134
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,842/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,855
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,414
−HK$567/mo
Today · 4.125%
HK$21,981
baseline
▲ 0.50% · 4.625%
HK$23,140
+HK$1,159/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,962/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,495
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,195
−HK$711/mo
Today · 4.125%
HK$23,906
baseline
▲ 0.50% · 4.625%
HK$25,360
+HK$1,454/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,812/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,026
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,697
−HK$681/mo
Today · 4.125%
HK$26,378
baseline
▲ 0.50% · 4.625%
HK$27,768
+HK$1,390/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,756/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,244
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,061
−HK$829/mo
Today · 4.125%
HK$27,890
baseline
▲ 0.50% · 4.625%
HK$29,587
+HK$1,697/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$55,780/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,196
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,980
−HK$794/mo
Today · 4.125%
HK$30,774
baseline
▲ 0.50% · 4.625%
HK$32,396
+HK$1,622/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$61,548/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,743
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,792
−HK$1,067/mo
Today · 4.125%
HK$35,859
baseline
▲ 0.50% · 4.625%
HK$38,040
+HK$2,181/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,718/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,538
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,545
−HK$1,021/mo
Today · 4.125%
HK$39,566
baseline
▲ 0.50% · 4.625%
HK$41,652
+HK$2,086/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,132/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,629 · 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).