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$18,693
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,274
−HK$591/mo
Today · 4.125%
HK$19,865
baseline
▲ 0.50% · 4.625%
HK$21,074
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,730/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,795
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,353
−HK$566/mo
Today · 4.125%
HK$21,919
baseline
▲ 0.50% · 4.625%
HK$23,074
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,838/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,431
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,129
−HK$709/mo
Today · 4.125%
HK$23,838
baseline
▲ 0.50% · 4.625%
HK$25,288
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,676/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,954
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,624
−HK$679/mo
Today · 4.125%
HK$26,303
baseline
▲ 0.50% · 4.625%
HK$27,689
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,606/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,170
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,984
−HK$827/mo
Today · 4.125%
HK$27,811
baseline
▲ 0.50% · 4.625%
HK$29,503
+HK$1,692/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,622/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,114
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,894
−HK$792/mo
Today · 4.125%
HK$30,686
baseline
▲ 0.50% · 4.625%
HK$32,304
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,372/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,647
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,693
−HK$1,064/mo
Today · 4.125%
HK$35,757
baseline
▲ 0.50% · 4.625%
HK$37,932
+HK$2,175/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,514/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,432
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,436
−HK$1,018/mo
Today · 4.125%
HK$39,454
baseline
▲ 0.50% · 4.625%
HK$41,534
+HK$2,080/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,908/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,929 · 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).