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$19,323
−HK$592/mo
Today · 4.125%
HK$19,915
baseline
▲ 0.50% · 4.625%
HK$21,127
+HK$1,212/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$246,550 · 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$23,133
+HK$1,159/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$246,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,488
−HK$1,410/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$246,550 · 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$246,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,236
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,052
−HK$829/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$246,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,187
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,970
−HK$794/mo
Today · 4.125%
HK$30,764
baseline
▲ 0.50% · 4.625%
HK$32,386
+HK$1,622/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$61,528/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,732
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,781
−HK$1,066/mo
Today · 4.125%
HK$35,847
baseline
▲ 0.50% · 4.625%
HK$38,028
+HK$2,181/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,694/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,526
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,533
−HK$1,021/mo
Today · 4.125%
HK$39,554
baseline
▲ 0.50% · 4.625%
HK$41,639
+HK$2,085/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,108/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,550 · 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).