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$18,730
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,313
−HK$592/mo
Today · 4.125%
HK$19,905
baseline
▲ 0.50% · 4.625%
HK$21,116
+HK$1,211/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,810/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,837
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,396
−HK$567/mo
Today · 4.125%
HK$21,963
baseline
▲ 0.50% · 4.625%
HK$23,121
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,926/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,476
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,175
−HK$711/mo
Today · 4.125%
HK$23,886
baseline
▲ 0.50% · 4.625%
HK$25,339
+HK$1,453/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,772/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,004
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,675
−HK$680/mo
Today · 4.125%
HK$26,355
baseline
▲ 0.50% · 4.625%
HK$27,745
+HK$1,390/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,710/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,222
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,038
−HK$829/mo
Today · 4.125%
HK$27,867
baseline
▲ 0.50% · 4.625%
HK$29,562
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,734/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,172
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,954
−HK$794/mo
Today · 4.125%
HK$30,748
baseline
▲ 0.50% · 4.625%
HK$32,369
+HK$1,621/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,496/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,714
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,763
−HK$1,065/mo
Today · 4.125%
HK$35,828
baseline
▲ 0.50% · 4.625%
HK$38,008
+HK$2,180/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,656/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,507
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,513
−HK$1,020/mo
Today · 4.125%
HK$39,533
baseline
▲ 0.50% · 4.625%
HK$41,617
+HK$2,084/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,066/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,422 · 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).