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$18,729
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,311
−HK$592/mo
Today · 4.125%
HK$19,903
baseline
▲ 0.50% · 4.625%
HK$21,114
+HK$1,211/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,806/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,836
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,394
−HK$567/mo
Today · 4.125%
HK$21,961
baseline
▲ 0.50% · 4.625%
HK$23,119
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,922/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,475
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,174
−HK$710/mo
Today · 4.125%
HK$23,884
baseline
▲ 0.50% · 4.625%
HK$25,337
+HK$1,453/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,768/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,003
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,673
−HK$681/mo
Today · 4.125%
HK$26,354
baseline
▲ 0.50% · 4.625%
HK$27,743
+HK$1,389/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,708/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,220
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,036
−HK$829/mo
Today · 4.125%
HK$27,865
baseline
▲ 0.50% · 4.625%
HK$29,560
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,730/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,170
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,952
−HK$794/mo
Today · 4.125%
HK$30,746
baseline
▲ 0.50% · 4.625%
HK$32,366
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,492/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,712
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,760
−HK$1,066/mo
Today · 4.125%
HK$35,826
baseline
▲ 0.50% · 4.625%
HK$38,006
+HK$2,180/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,652/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,504
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,510
−HK$1,020/mo
Today · 4.125%
HK$39,530
baseline
▲ 0.50% · 4.625%
HK$41,614
+HK$2,084/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,060/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,404 · 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).