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$18,760
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,343
−HK$593/mo
Today · 4.125%
HK$19,936
baseline
▲ 0.50% · 4.625%
HK$21,149
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,872/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,870
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,430
−HK$568/mo
Today · 4.125%
HK$21,998
baseline
▲ 0.50% · 4.625%
HK$23,157
+HK$1,159/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,996/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,512
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,212
−HK$711/mo
Today · 4.125%
HK$23,923
baseline
▲ 0.50% · 4.625%
HK$25,379
+HK$1,456/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,846/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,044
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,716
−HK$681/mo
Today · 4.125%
HK$26,397
baseline
▲ 0.50% · 4.625%
HK$27,788
+HK$1,391/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,794/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,264
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,081
−HK$830/mo
Today · 4.125%
HK$27,911
baseline
▲ 0.50% · 4.625%
HK$29,609
+HK$1,698/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,822/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,218
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,002
−HK$795/mo
Today · 4.125%
HK$30,797
baseline
▲ 0.50% · 4.625%
HK$32,420
+HK$1,623/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,594/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,767
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,818
−HK$1,067/mo
Today · 4.125%
HK$35,885
baseline
▲ 0.50% · 4.625%
HK$38,069
+HK$2,184/mo
Deposit HK$823K · loan HK$7.40M · min. income ≈ HK$71,770/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,566
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,573
−HK$1,023/mo
Today · 4.125%
HK$39,596
baseline
▲ 0.50% · 4.625%
HK$41,683
+HK$2,087/mo
Deposit HK$823K · loan HK$7.40M · min. income ≈ HK$79,192/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,811 · 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).