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$18,690
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,271
−HK$591/mo
Today · 4.125%
HK$19,862
baseline
▲ 0.50% · 4.625%
HK$21,070
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,724/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,792
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,350
−HK$566/mo
Today · 4.125%
HK$21,916
baseline
▲ 0.50% · 4.625%
HK$23,071
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,832/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,428
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,125
−HK$709/mo
Today · 4.125%
HK$23,834
baseline
▲ 0.50% · 4.625%
HK$25,284
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,668/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,951
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,620
−HK$679/mo
Today · 4.125%
HK$26,299
baseline
▲ 0.50% · 4.625%
HK$27,685
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,598/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,166
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,980
−HK$827/mo
Today · 4.125%
HK$27,807
baseline
▲ 0.50% · 4.625%
HK$29,499
+HK$1,692/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,614/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,109
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,890
−HK$792/mo
Today · 4.125%
HK$30,682
baseline
▲ 0.50% · 4.625%
HK$32,299
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,364/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,642
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,688
−HK$1,063/mo
Today · 4.125%
HK$35,751
baseline
▲ 0.50% · 4.625%
HK$37,927
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,502/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,426
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,430
−HK$1,018/mo
Today · 4.125%
HK$39,448
baseline
▲ 0.50% · 4.625%
HK$41,527
+HK$2,079/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,896/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,892 · 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).