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$18,749
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,332
−HK$592/mo
Today · 4.125%
HK$19,924
baseline
▲ 0.50% · 4.625%
HK$21,137
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,848/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,858
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,417
−HK$568/mo
Today · 4.125%
HK$21,985
baseline
▲ 0.50% · 4.625%
HK$23,143
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,970/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,498
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,198
−HK$711/mo
Today · 4.125%
HK$23,909
baseline
▲ 0.50% · 4.625%
HK$25,364
+HK$1,455/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,818/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,029
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,701
−HK$681/mo
Today · 4.125%
HK$26,382
baseline
▲ 0.50% · 4.625%
HK$27,772
+HK$1,390/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,764/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,248
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,065
−HK$829/mo
Today · 4.125%
HK$27,894
baseline
▲ 0.50% · 4.625%
HK$29,591
+HK$1,697/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,788/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,201
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,984
−HK$794/mo
Today · 4.125%
HK$30,778
baseline
▲ 0.50% · 4.625%
HK$32,401
+HK$1,623/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,556/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,748
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,797
−HK$1,067/mo
Today · 4.125%
HK$35,864
baseline
▲ 0.50% · 4.625%
HK$38,046
+HK$2,182/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,728/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,544
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,551
−HK$1,021/mo
Today · 4.125%
HK$39,572
baseline
▲ 0.50% · 4.625%
HK$41,658
+HK$2,086/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,144/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,666 · 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).