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$18,764
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,348
−HK$593/mo
Today · 4.125%
HK$19,941
baseline
▲ 0.50% · 4.625%
HK$21,154
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,882/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,875
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,435
−HK$567/mo
Today · 4.125%
HK$22,002
baseline
▲ 0.50% · 4.625%
HK$23,162
+HK$1,160/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$44,004/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,517
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,217
−HK$712/mo
Today · 4.125%
HK$23,929
baseline
▲ 0.50% · 4.625%
HK$25,385
+HK$1,456/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,858/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,050
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,721
−HK$682/mo
Today · 4.125%
HK$26,403
baseline
▲ 0.50% · 4.625%
HK$27,795
+HK$1,392/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,806/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,270
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,087
−HK$830/mo
Today · 4.125%
HK$27,917
baseline
▲ 0.50% · 4.625%
HK$29,616
+HK$1,699/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,834/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,225
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$30,008
−HK$795/mo
Today · 4.125%
HK$30,803
baseline
▲ 0.50% · 4.625%
HK$32,427
+HK$1,624/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,606/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,775
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,826
−HK$1,067/mo
Today · 4.125%
HK$35,893
baseline
▲ 0.50% · 4.625%
HK$38,077
+HK$2,184/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,786/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,574
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,582
−HK$1,022/mo
Today · 4.125%
HK$39,604
baseline
▲ 0.50% · 4.625%
HK$41,692
+HK$2,088/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,208/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,867 · 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).