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$18,707
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,289
−HK$591/mo
Today · 4.125%
HK$19,880
baseline
▲ 0.50% · 4.625%
HK$21,090
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,760/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,811
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,370
−HK$566/mo
Today · 4.125%
HK$21,936
baseline
▲ 0.50% · 4.625%
HK$23,092
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,872/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,448
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,147
−HK$709/mo
Today · 4.125%
HK$23,856
baseline
▲ 0.50% · 4.625%
HK$25,308
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,712/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,974
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,643
−HK$680/mo
Today · 4.125%
HK$26,323
baseline
▲ 0.50% · 4.625%
HK$27,710
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,646/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,190
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,005
−HK$827/mo
Today · 4.125%
HK$27,832
baseline
▲ 0.50% · 4.625%
HK$29,526
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,664/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,136
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,917
−HK$793/mo
Today · 4.125%
HK$30,710
baseline
▲ 0.50% · 4.625%
HK$32,329
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,420/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,673
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,720
−HK$1,064/mo
Today · 4.125%
HK$35,784
baseline
▲ 0.50% · 4.625%
HK$37,962
+HK$2,178/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,568/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,461
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,465
−HK$1,019/mo
Today · 4.125%
HK$39,484
baseline
▲ 0.50% · 4.625%
HK$41,566
+HK$2,082/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,968/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,118 · 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).