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$18,745
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,328
−HK$592/mo
Today · 4.125%
HK$19,920
baseline
▲ 0.50% · 4.625%
HK$21,132
+HK$1,212/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,840/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,853
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,413
−HK$567/mo
Today · 4.125%
HK$21,980
baseline
▲ 0.50% · 4.625%
HK$23,139
+HK$1,159/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,960/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,494
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,193
−HK$711/mo
Today · 4.125%
HK$23,904
baseline
▲ 0.50% · 4.625%
HK$25,359
+HK$1,455/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,808/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,024
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,695
−HK$681/mo
Today · 4.125%
HK$26,376
baseline
▲ 0.50% · 4.625%
HK$27,766
+HK$1,390/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,752/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,243
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,059
−HK$829/mo
Today · 4.125%
HK$27,888
baseline
▲ 0.50% · 4.625%
HK$29,585
+HK$1,697/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$55,776/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,195
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,978
−HK$794/mo
Today · 4.125%
HK$30,772
baseline
▲ 0.50% · 4.625%
HK$32,394
+HK$1,622/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$61,544/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,741
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,790
−HK$1,066/mo
Today · 4.125%
HK$35,856
baseline
▲ 0.50% · 4.625%
HK$38,038
+HK$2,182/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,712/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,536
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,543
−HK$1,021/mo
Today · 4.125%
HK$39,564
baseline
▲ 0.50% · 4.625%
HK$41,650
+HK$2,086/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,128/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,615 · 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).