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$18,685
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,266
−HK$591/mo
Today · 4.125%
HK$19,857
baseline
▲ 0.50% · 4.625%
HK$21,065
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,714/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,787
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,344
−HK$566/mo
Today · 4.125%
HK$21,910
baseline
▲ 0.50% · 4.625%
HK$23,065
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,820/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,422
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,119
−HK$709/mo
Today · 4.125%
HK$23,828
baseline
▲ 0.50% · 4.625%
HK$25,278
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,656/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,944
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,613
−HK$679/mo
Today · 4.125%
HK$26,292
baseline
▲ 0.50% · 4.625%
HK$27,678
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,584/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,159
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,973
−HK$826/mo
Today · 4.125%
HK$27,799
baseline
▲ 0.50% · 4.625%
HK$29,491
+HK$1,692/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,598/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,101
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,882
−HK$792/mo
Today · 4.125%
HK$30,674
baseline
▲ 0.50% · 4.625%
HK$32,291
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,348/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,633
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,679
−HK$1,063/mo
Today · 4.125%
HK$35,742
baseline
▲ 0.50% · 4.625%
HK$37,917
+HK$2,175/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,484/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,416
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,420
−HK$1,018/mo
Today · 4.125%
HK$39,438
baseline
▲ 0.50% · 4.625%
HK$41,516
+HK$2,078/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,876/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,827 · 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).