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$18,710
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,292
−HK$592/mo
Today · 4.125%
HK$19,884
baseline
▲ 0.50% · 4.625%
HK$21,094
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,768/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,815
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,373
−HK$567/mo
Today · 4.125%
HK$21,940
baseline
▲ 0.50% · 4.625%
HK$23,096
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,880/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,452
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,151
−HK$709/mo
Today · 4.125%
HK$23,860
baseline
▲ 0.50% · 4.625%
HK$25,312
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,720/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,978
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,648
−HK$680/mo
Today · 4.125%
HK$26,328
baseline
▲ 0.50% · 4.625%
HK$27,715
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,656/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,195
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,009
−HK$828/mo
Today · 4.125%
HK$27,837
baseline
▲ 0.50% · 4.625%
HK$29,531
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,674/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,141
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,923
−HK$793/mo
Today · 4.125%
HK$30,716
baseline
▲ 0.50% · 4.625%
HK$32,335
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,432/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,679
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,726
−HK$1,065/mo
Today · 4.125%
HK$35,791
baseline
▲ 0.50% · 4.625%
HK$37,968
+HK$2,177/mo
Deposit HK$821K · loan HK$7.38M · min. income ≈ HK$71,582/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,467
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,472
−HK$1,019/mo
Today · 4.125%
HK$39,491
baseline
▲ 0.50% · 4.625%
HK$41,573
+HK$2,082/mo
Deposit HK$821K · loan HK$7.38M · min. income ≈ HK$78,982/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,162 · 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).