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$18,758
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,342
−HK$593/mo
Today · 4.125%
HK$19,935
baseline
▲ 0.50% · 4.625%
HK$21,148
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,870/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,868
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,428
−HK$568/mo
Today · 4.125%
HK$21,996
baseline
▲ 0.50% · 4.625%
HK$23,155
+HK$1,159/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,992/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,510
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,210
−HK$712/mo
Today · 4.125%
HK$23,922
baseline
▲ 0.50% · 4.625%
HK$25,377
+HK$1,455/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,844/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,042
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,714
−HK$681/mo
Today · 4.125%
HK$26,395
baseline
▲ 0.50% · 4.625%
HK$27,786
+HK$1,391/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,790/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,262
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,078
−HK$830/mo
Today · 4.125%
HK$27,908
baseline
▲ 0.50% · 4.625%
HK$29,607
+HK$1,699/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,816/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,216
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,999
−HK$795/mo
Today · 4.125%
HK$30,794
baseline
▲ 0.50% · 4.625%
HK$32,417
+HK$1,623/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,588/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,765
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,815
−HK$1,067/mo
Today · 4.125%
HK$35,882
baseline
▲ 0.50% · 4.625%
HK$38,066
+HK$2,184/mo
Deposit HK$823K · loan HK$7.40M · min. income ≈ HK$71,764/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,563
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,571
−HK$1,022/mo
Today · 4.125%
HK$39,593
baseline
▲ 0.50% · 4.625%
HK$41,680
+HK$2,087/mo
Deposit HK$823K · loan HK$7.40M · min. income ≈ HK$79,186/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,792 · 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).