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$18,680
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,262
−HK$590/mo
Today · 4.125%
HK$19,852
baseline
▲ 0.50% · 4.625%
HK$21,060
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,704/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,782
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,339
−HK$566/mo
Today · 4.125%
HK$21,905
baseline
▲ 0.50% · 4.625%
HK$23,059
+HK$1,154/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,810/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,417
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,114
−HK$708/mo
Today · 4.125%
HK$23,822
baseline
▲ 0.50% · 4.625%
HK$25,272
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,644/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,938
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,607
−HK$679/mo
Today · 4.125%
HK$26,286
baseline
▲ 0.50% · 4.625%
HK$27,671
+HK$1,385/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,572/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,153
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,966
−HK$827/mo
Today · 4.125%
HK$27,793
baseline
▲ 0.50% · 4.625%
HK$29,484
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,586/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,095
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,875
−HK$791/mo
Today · 4.125%
HK$30,666
baseline
▲ 0.50% · 4.625%
HK$32,283
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,332/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,625
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,671
−HK$1,062/mo
Today · 4.125%
HK$35,733
baseline
▲ 0.50% · 4.625%
HK$37,908
+HK$2,175/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,466/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,407
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,411
−HK$1,017/mo
Today · 4.125%
HK$39,428
baseline
▲ 0.50% · 4.625%
HK$41,507
+HK$2,079/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,856/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,769 · 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).