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$18,699
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,280
−HK$591/mo
Today · 4.125%
HK$19,871
baseline
▲ 0.50% · 4.625%
HK$21,080
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,742/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,802
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,360
−HK$566/mo
Today · 4.125%
HK$21,926
baseline
▲ 0.50% · 4.625%
HK$23,082
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,852/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,438
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,136
−HK$709/mo
Today · 4.125%
HK$23,845
baseline
▲ 0.50% · 4.625%
HK$25,296
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,690/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,962
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,632
−HK$679/mo
Today · 4.125%
HK$26,311
baseline
▲ 0.50% · 4.625%
HK$27,698
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,622/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,178
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,992
−HK$828/mo
Today · 4.125%
HK$27,820
baseline
▲ 0.50% · 4.625%
HK$29,512
+HK$1,692/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,640/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,123
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,904
−HK$792/mo
Today · 4.125%
HK$30,696
baseline
▲ 0.50% · 4.625%
HK$32,314
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,392/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,657
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,704
−HK$1,064/mo
Today · 4.125%
HK$35,768
baseline
▲ 0.50% · 4.625%
HK$37,944
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,536/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,444
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,448
−HK$1,019/mo
Today · 4.125%
HK$39,467
baseline
▲ 0.50% · 4.625%
HK$41,547
+HK$2,080/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,934/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,007 · 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).