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$18,705
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,287
−HK$591/mo
Today · 4.125%
HK$19,878
baseline
▲ 0.50% · 4.625%
HK$21,087
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,756/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,809
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,367
−HK$566/mo
Today · 4.125%
HK$21,933
baseline
▲ 0.50% · 4.625%
HK$23,089
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,866/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,446
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,144
−HK$709/mo
Today · 4.125%
HK$23,853
baseline
▲ 0.50% · 4.625%
HK$25,305
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,706/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,971
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,640
−HK$680/mo
Today · 4.125%
HK$26,320
baseline
▲ 0.50% · 4.625%
HK$27,707
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,640/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,187
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,001
−HK$828/mo
Today · 4.125%
HK$27,829
baseline
▲ 0.50% · 4.625%
HK$29,522
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,658/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,132
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,914
−HK$792/mo
Today · 4.125%
HK$30,706
baseline
▲ 0.50% · 4.625%
HK$32,325
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,412/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,669
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,716
−HK$1,064/mo
Today · 4.125%
HK$35,780
baseline
▲ 0.50% · 4.625%
HK$37,957
+HK$2,177/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,560/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,456
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,461
−HK$1,019/mo
Today · 4.125%
HK$39,480
baseline
▲ 0.50% · 4.625%
HK$41,561
+HK$2,081/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,960/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,089 · 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).