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$18,678
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,259
−HK$591/mo
Today · 4.125%
HK$19,850
baseline
▲ 0.50% · 4.625%
HK$21,057
+HK$1,207/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,700/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,779
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,337
−HK$565/mo
Today · 4.125%
HK$21,902
baseline
▲ 0.50% · 4.625%
HK$23,057
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,804/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,414
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,111
−HK$709/mo
Today · 4.125%
HK$23,820
baseline
▲ 0.50% · 4.625%
HK$25,269
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$47,640/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,935
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,604
−HK$679/mo
Today · 4.125%
HK$26,283
baseline
▲ 0.50% · 4.625%
HK$27,668
+HK$1,385/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$52,566/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,150
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,963
−HK$827/mo
Today · 4.125%
HK$27,790
baseline
▲ 0.50% · 4.625%
HK$29,480
+HK$1,690/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,580/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,091
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,871
−HK$792/mo
Today · 4.125%
HK$30,663
baseline
▲ 0.50% · 4.625%
HK$32,279
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,326/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,621
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,667
−HK$1,062/mo
Today · 4.125%
HK$35,729
baseline
▲ 0.50% · 4.625%
HK$37,903
+HK$2,174/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,458/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,403
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,406
−HK$1,018/mo
Today · 4.125%
HK$39,424
baseline
▲ 0.50% · 4.625%
HK$41,502
+HK$2,078/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,848/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,741 · 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).