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$18,692
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,274
−HK$591/mo
Today · 4.125%
HK$19,865
baseline
▲ 0.50% · 4.625%
HK$21,073
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,730/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,795
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,353
−HK$566/mo
Today · 4.125%
HK$21,919
baseline
▲ 0.50% · 4.625%
HK$23,074
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,838/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,431
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,129
−HK$709/mo
Today · 4.125%
HK$23,838
baseline
▲ 0.50% · 4.625%
HK$25,288
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,676/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,954
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,623
−HK$679/mo
Today · 4.125%
HK$26,302
baseline
▲ 0.50% · 4.625%
HK$27,689
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,604/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,169
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,983
−HK$828/mo
Today · 4.125%
HK$27,811
baseline
▲ 0.50% · 4.625%
HK$29,503
+HK$1,692/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,622/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,113
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,894
−HK$792/mo
Today · 4.125%
HK$30,686
baseline
▲ 0.50% · 4.625%
HK$32,304
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,372/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,646
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,693
−HK$1,063/mo
Today · 4.125%
HK$35,756
baseline
▲ 0.50% · 4.625%
HK$37,932
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,512/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,431
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,435
−HK$1,019/mo
Today · 4.125%
HK$39,454
baseline
▲ 0.50% · 4.625%
HK$41,533
+HK$2,079/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,908/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,926 · 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).