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$18,684
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,266
−HK$590/mo
Today · 4.125%
HK$19,856
baseline
▲ 0.50% · 4.625%
HK$21,064
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,712/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,786
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,344
−HK$565/mo
Today · 4.125%
HK$21,909
baseline
▲ 0.50% · 4.625%
HK$23,064
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,818/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,421
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,119
−HK$708/mo
Today · 4.125%
HK$23,827
baseline
▲ 0.50% · 4.625%
HK$25,277
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,654/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,943
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,612
−HK$679/mo
Today · 4.125%
HK$26,291
baseline
▲ 0.50% · 4.625%
HK$27,677
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,582/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,158
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,972
−HK$826/mo
Today · 4.125%
HK$27,798
baseline
▲ 0.50% · 4.625%
HK$29,490
+HK$1,692/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,596/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,101
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,881
−HK$792/mo
Today · 4.125%
HK$30,673
baseline
▲ 0.50% · 4.625%
HK$32,290
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,346/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,632
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,678
−HK$1,063/mo
Today · 4.125%
HK$35,741
baseline
▲ 0.50% · 4.625%
HK$37,916
+HK$2,175/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,482/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,415
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,418
−HK$1,018/mo
Today · 4.125%
HK$39,436
baseline
▲ 0.50% · 4.625%
HK$41,515
+HK$2,079/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,872/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,819 · 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).