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$1,171/mo
▼ 0.25% · 3.875%
HK$19,259
−HK$590/mo
Today · 4.125%
HK$19,849
baseline
▲ 0.50% · 4.625%
HK$21,057
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,698/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,779
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,336
−HK$566/mo
Today · 4.125%
HK$21,902
baseline
▲ 0.50% · 4.625%
HK$23,056
+HK$1,154/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$245,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,413
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,111
−HK$708/mo
Today · 4.125%
HK$23,819
baseline
▲ 0.50% · 4.625%
HK$25,268
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$47,638/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,935
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,603
−HK$679/mo
Today · 4.125%
HK$26,282
baseline
▲ 0.50% · 4.625%
HK$27,667
+HK$1,385/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$52,564/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,149
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,962
−HK$827/mo
Today · 4.125%
HK$27,789
baseline
▲ 0.50% · 4.625%
HK$29,480
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,578/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,090
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,871
−HK$791/mo
Today · 4.125%
HK$30,662
baseline
▲ 0.50% · 4.625%
HK$32,278
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,324/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,620
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,666
−HK$1,062/mo
Today · 4.125%
HK$35,728
baseline
▲ 0.50% · 4.625%
HK$37,902
+HK$2,174/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,456/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,402
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,405
−HK$1,018/mo
Today · 4.125%
HK$39,423
baseline
▲ 0.50% · 4.625%
HK$41,501
+HK$2,078/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,846/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,734 · 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).