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$18,755
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,339
−HK$592/mo
Today · 4.125%
HK$19,931
baseline
▲ 0.50% · 4.625%
HK$21,144
+HK$1,213/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,862/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,865
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,425
−HK$567/mo
Today · 4.125%
HK$21,992
baseline
▲ 0.50% · 4.625%
HK$23,151
+HK$1,159/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,984/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,506
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,206
−HK$712/mo
Today · 4.125%
HK$23,918
baseline
▲ 0.50% · 4.625%
HK$25,373
+HK$1,455/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,836/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,038
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,709
−HK$682/mo
Today · 4.125%
HK$26,391
baseline
▲ 0.50% · 4.625%
HK$27,782
+HK$1,391/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,782/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,257
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,074
−HK$830/mo
Today · 4.125%
HK$27,904
baseline
▲ 0.50% · 4.625%
HK$29,602
+HK$1,698/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,808/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,211
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,994
−HK$795/mo
Today · 4.125%
HK$30,789
baseline
▲ 0.50% · 4.625%
HK$32,412
+HK$1,623/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,578/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,759
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,809
−HK$1,067/mo
Today · 4.125%
HK$35,876
baseline
▲ 0.50% · 4.625%
HK$38,059
+HK$2,183/mo
Deposit HK$823K · loan HK$7.40M · min. income ≈ HK$71,752/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,557
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,564
−HK$1,022/mo
Today · 4.125%
HK$39,586
baseline
▲ 0.50% · 4.625%
HK$41,673
+HK$2,087/mo
Deposit HK$823K · loan HK$7.40M · min. income ≈ HK$79,172/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,751 · 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).