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$19,276
−HK$591/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$245,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,798
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,355
−HK$566/mo
Today · 4.125%
HK$21,921
baseline
▲ 0.50% · 4.625%
HK$23,077
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,842/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$245,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,434
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,131
−HK$709/mo
Today · 4.125%
HK$23,840
baseline
▲ 0.50% · 4.625%
HK$25,291
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,680/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$245,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,957
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,626
−HK$679/mo
Today · 4.125%
HK$26,305
baseline
▲ 0.50% · 4.625%
HK$27,692
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,610/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$245,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,172
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,987
−HK$827/mo
Today · 4.125%
HK$27,814
baseline
▲ 0.50% · 4.625%
HK$29,506
+HK$1,692/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$245,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,117
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,897
−HK$793/mo
Today · 4.125%
HK$30,690
baseline
▲ 0.50% · 4.625%
HK$32,307
+HK$1,617/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$245,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,650
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,697
−HK$1,063/mo
Today · 4.125%
HK$35,760
baseline
▲ 0.50% · 4.625%
HK$37,936
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,520/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,436
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,440
−HK$1,018/mo
Today · 4.125%
HK$39,458
baseline
▲ 0.50% · 4.625%
HK$41,538
+HK$2,080/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,916/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,954 · 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).