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$18,680
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,261
−HK$590/mo
Today · 4.125%
HK$19,851
baseline
▲ 0.50% · 4.625%
HK$21,059
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,702/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,781
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,338
−HK$566/mo
Today · 4.125%
HK$21,904
baseline
▲ 0.50% · 4.625%
HK$23,058
+HK$1,154/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,808/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,416
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,113
−HK$708/mo
Today · 4.125%
HK$23,821
baseline
▲ 0.50% · 4.625%
HK$25,271
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,642/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,937
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,606
−HK$679/mo
Today · 4.125%
HK$26,285
baseline
▲ 0.50% · 4.625%
HK$27,670
+HK$1,385/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,570/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,152
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,965
−HK$827/mo
Today · 4.125%
HK$27,792
baseline
▲ 0.50% · 4.625%
HK$29,483
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,584/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,094
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,874
−HK$791/mo
Today · 4.125%
HK$30,665
baseline
▲ 0.50% · 4.625%
HK$32,282
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,330/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,624
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,670
−HK$1,062/mo
Today · 4.125%
HK$35,732
baseline
▲ 0.50% · 4.625%
HK$37,906
+HK$2,174/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,464/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,406
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,409
−HK$1,018/mo
Today · 4.125%
HK$39,427
baseline
▲ 0.50% · 4.625%
HK$41,505
+HK$2,078/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,854/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,760 · 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).