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$18,761
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,345
−HK$593/mo
Today · 4.125%
HK$19,938
baseline
▲ 0.50% · 4.625%
HK$21,151
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,876/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,872
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,432
−HK$567/mo
Today · 4.125%
HK$21,999
baseline
▲ 0.50% · 4.625%
HK$23,159
+HK$1,160/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,998/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,514
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,214
−HK$711/mo
Today · 4.125%
HK$23,925
baseline
▲ 0.50% · 4.625%
HK$25,381
+HK$1,456/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,850/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,046
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,718
−HK$681/mo
Today · 4.125%
HK$26,399
baseline
▲ 0.50% · 4.625%
HK$27,791
+HK$1,392/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,798/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,266
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,083
−HK$830/mo
Today · 4.125%
HK$27,913
baseline
▲ 0.50% · 4.625%
HK$29,611
+HK$1,698/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,826/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,221
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$30,004
−HK$795/mo
Today · 4.125%
HK$30,799
baseline
▲ 0.50% · 4.625%
HK$32,423
+HK$1,624/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,598/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,770
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,821
−HK$1,067/mo
Today · 4.125%
HK$35,888
baseline
▲ 0.50% · 4.625%
HK$38,072
+HK$2,184/mo
Deposit HK$823K · loan HK$7.40M · min. income ≈ HK$71,776/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,569
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,577
−HK$1,022/mo
Today · 4.125%
HK$39,599
baseline
▲ 0.50% · 4.625%
HK$41,686
+HK$2,087/mo
Deposit HK$823K · loan HK$7.40M · min. income ≈ HK$79,198/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,833 · 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).