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$18,689
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,270
−HK$591/mo
Today · 4.125%
HK$19,861
baseline
▲ 0.50% · 4.625%
HK$21,070
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,722/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,791
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,349
−HK$566/mo
Today · 4.125%
HK$21,915
baseline
▲ 0.50% · 4.625%
HK$23,070
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,830/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,427
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,124
−HK$709/mo
Today · 4.125%
HK$23,833
baseline
▲ 0.50% · 4.625%
HK$25,283
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,666/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,950
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,619
−HK$679/mo
Today · 4.125%
HK$26,298
baseline
▲ 0.50% · 4.625%
HK$27,684
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,596/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,165
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,979
−HK$826/mo
Today · 4.125%
HK$27,805
baseline
▲ 0.50% · 4.625%
HK$29,497
+HK$1,692/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,610/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,108
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,889
−HK$792/mo
Today · 4.125%
HK$30,681
baseline
▲ 0.50% · 4.625%
HK$32,298
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,362/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,640
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,687
−HK$1,063/mo
Today · 4.125%
HK$35,750
baseline
▲ 0.50% · 4.625%
HK$37,925
+HK$2,175/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,500/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,424
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,428
−HK$1,018/mo
Today · 4.125%
HK$39,446
baseline
▲ 0.50% · 4.625%
HK$41,526
+HK$2,080/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,892/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,881 · 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).