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$18,692
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,274
−HK$590/mo
Today · 4.125%
HK$19,864
baseline
▲ 0.50% · 4.625%
HK$21,073
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,728/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,795
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,353
−HK$565/mo
Today · 4.125%
HK$21,918
baseline
▲ 0.50% · 4.625%
HK$23,074
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,836/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,431
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,128
−HK$709/mo
Today · 4.125%
HK$23,837
baseline
▲ 0.50% · 4.625%
HK$25,288
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,674/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,954
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,623
−HK$679/mo
Today · 4.125%
HK$26,302
baseline
▲ 0.50% · 4.625%
HK$27,689
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,604/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,169
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,983
−HK$827/mo
Today · 4.125%
HK$27,810
baseline
▲ 0.50% · 4.625%
HK$29,502
+HK$1,692/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,620/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,113
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,894
−HK$792/mo
Today · 4.125%
HK$30,686
baseline
▲ 0.50% · 4.625%
HK$32,303
+HK$1,617/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$245,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,646
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,693
−HK$1,063/mo
Today · 4.125%
HK$35,756
baseline
▲ 0.50% · 4.625%
HK$37,932
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,512/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,431
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,435
−HK$1,018/mo
Today · 4.125%
HK$39,453
baseline
▲ 0.50% · 4.625%
HK$41,533
+HK$2,080/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,906/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,923 · 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).