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$18,740
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,322
−HK$593/mo
Today · 4.125%
HK$19,915
baseline
▲ 0.50% · 4.625%
HK$21,126
+HK$1,211/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,830/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,848
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,407
−HK$567/mo
Today · 4.125%
HK$21,974
baseline
▲ 0.50% · 4.625%
HK$23,132
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,948/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,487
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,187
−HK$711/mo
Today · 4.125%
HK$23,898
baseline
▲ 0.50% · 4.625%
HK$25,352
+HK$1,454/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,796/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,017
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,688
−HK$681/mo
Today · 4.125%
HK$26,369
baseline
▲ 0.50% · 4.625%
HK$27,759
+HK$1,390/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,738/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,235
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,051
−HK$830/mo
Today · 4.125%
HK$27,881
baseline
▲ 0.50% · 4.625%
HK$29,577
+HK$1,696/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$55,762/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,187
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,969
−HK$794/mo
Today · 4.125%
HK$30,763
baseline
▲ 0.50% · 4.625%
HK$32,385
+HK$1,622/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$246,546 · 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$38,028
+HK$2,182/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$246,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,526
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,532
−HK$1,021/mo
Today · 4.125%
HK$39,553
baseline
▲ 0.50% · 4.625%
HK$41,638
+HK$2,085/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,106/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,546 · 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).