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$18,681
−HK$1,171/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$245,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,782
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,340
−HK$565/mo
Today · 4.125%
HK$21,905
baseline
▲ 0.50% · 4.625%
HK$23,060
+HK$1,155/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$245,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,417
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,114
−HK$709/mo
Today · 4.125%
HK$23,823
baseline
▲ 0.50% · 4.625%
HK$25,272
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,646/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,939
−HK$1,347/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$245,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,153
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,967
−HK$826/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$245,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,095
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,875
−HK$792/mo
Today · 4.125%
HK$30,667
baseline
▲ 0.50% · 4.625%
HK$32,283
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,334/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,625
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,671
−HK$1,063/mo
Today · 4.125%
HK$35,734
baseline
▲ 0.50% · 4.625%
HK$37,908
+HK$2,174/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,468/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,408
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,411
−HK$1,018/mo
Today · 4.125%
HK$39,429
baseline
▲ 0.50% · 4.625%
HK$41,507
+HK$2,078/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,858/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,772 · 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).