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$18,695
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,277
−HK$590/mo
Today · 4.125%
HK$19,867
baseline
▲ 0.50% · 4.625%
HK$21,076
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,734/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$245,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,798
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,356
−HK$566/mo
Today · 4.125%
HK$21,922
baseline
▲ 0.50% · 4.625%
HK$23,077
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,844/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$245,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,434
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,132
−HK$709/mo
Today · 4.125%
HK$23,841
baseline
▲ 0.50% · 4.625%
HK$25,291
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,682/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$245,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,958
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,627
−HK$679/mo
Today · 4.125%
HK$26,306
baseline
▲ 0.50% · 4.625%
HK$27,693
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,612/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$245,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,173
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,987
−HK$827/mo
Today · 4.125%
HK$27,814
baseline
▲ 0.50% · 4.625%
HK$29,507
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,628/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,117
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,898
−HK$792/mo
Today · 4.125%
HK$30,690
baseline
▲ 0.50% · 4.625%
HK$32,308
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,380/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,651
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,698
−HK$1,063/mo
Today · 4.125%
HK$35,761
baseline
▲ 0.50% · 4.625%
HK$37,937
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,522/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,436
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,440
−HK$1,019/mo
Today · 4.125%
HK$39,459
baseline
▲ 0.50% · 4.625%
HK$41,539
+HK$2,080/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,918/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,959 · 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).