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$18,682
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,263
−HK$591/mo
Today · 4.125%
HK$19,854
baseline
▲ 0.50% · 4.625%
HK$21,062
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,708/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,784
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,341
−HK$566/mo
Today · 4.125%
HK$21,907
baseline
▲ 0.50% · 4.625%
HK$23,061
+HK$1,154/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,814/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,419
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,116
−HK$708/mo
Today · 4.125%
HK$23,824
baseline
▲ 0.50% · 4.625%
HK$25,274
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,648/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,940
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,609
−HK$679/mo
Today · 4.125%
HK$26,288
baseline
▲ 0.50% · 4.625%
HK$27,674
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,576/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,155
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,969
−HK$826/mo
Today · 4.125%
HK$27,795
baseline
▲ 0.50% · 4.625%
HK$29,486
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,590/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,097
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,878
−HK$791/mo
Today · 4.125%
HK$30,669
baseline
▲ 0.50% · 4.625%
HK$32,286
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,338/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,628
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,674
−HK$1,063/mo
Today · 4.125%
HK$35,737
baseline
▲ 0.50% · 4.625%
HK$37,911
+HK$2,174/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,474/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,411
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,414
−HK$1,018/mo
Today · 4.125%
HK$39,432
baseline
▲ 0.50% · 4.625%
HK$41,510
+HK$2,078/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,864/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,791 · 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).