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$18,699
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,281
−HK$591/mo
Today · 4.125%
HK$19,872
baseline
▲ 0.50% · 4.625%
HK$21,081
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,744/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,802
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,360
−HK$566/mo
Today · 4.125%
HK$21,926
baseline
▲ 0.50% · 4.625%
HK$23,082
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,852/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,439
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,137
−HK$709/mo
Today · 4.125%
HK$23,846
baseline
▲ 0.50% · 4.625%
HK$25,297
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,692/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,963
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,632
−HK$680/mo
Today · 4.125%
HK$26,312
baseline
▲ 0.50% · 4.625%
HK$27,699
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,624/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,179
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,993
−HK$827/mo
Today · 4.125%
HK$27,820
baseline
▲ 0.50% · 4.625%
HK$29,513
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,640/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,123
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,904
−HK$793/mo
Today · 4.125%
HK$30,697
baseline
▲ 0.50% · 4.625%
HK$32,315
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,394/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,658
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,705
−HK$1,064/mo
Today · 4.125%
HK$35,769
baseline
▲ 0.50% · 4.625%
HK$37,945
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,538/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,444
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,449
−HK$1,018/mo
Today · 4.125%
HK$39,467
baseline
▲ 0.50% · 4.625%
HK$41,548
+HK$2,081/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,934/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,012 · 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).