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$18,713
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,295
−HK$592/mo
Today · 4.125%
HK$19,887
baseline
▲ 0.50% · 4.625%
HK$21,097
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,774/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,818
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,377
−HK$566/mo
Today · 4.125%
HK$21,943
baseline
▲ 0.50% · 4.625%
HK$23,100
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,886/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,456
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,154
−HK$710/mo
Today · 4.125%
HK$23,864
baseline
▲ 0.50% · 4.625%
HK$25,316
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,728/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,982
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,652
−HK$680/mo
Today · 4.125%
HK$26,332
baseline
▲ 0.50% · 4.625%
HK$27,720
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,664/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,199
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,013
−HK$828/mo
Today · 4.125%
HK$27,841
baseline
▲ 0.50% · 4.625%
HK$29,536
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,682/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,146
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,927
−HK$793/mo
Today · 4.125%
HK$30,720
baseline
▲ 0.50% · 4.625%
HK$32,340
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,440/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,684
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,732
−HK$1,064/mo
Today · 4.125%
HK$35,796
baseline
▲ 0.50% · 4.625%
HK$37,974
+HK$2,178/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,592/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,473
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,478
−HK$1,020/mo
Today · 4.125%
HK$39,498
baseline
▲ 0.50% · 4.625%
HK$41,579
+HK$2,081/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$78,996/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,200 · 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).