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$18,680
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,261
−HK$590/mo
Today · 4.125%
HK$19,851
baseline
▲ 0.50% · 4.625%
HK$21,059
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,702/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,781
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,339
−HK$565/mo
Today · 4.125%
HK$21,904
baseline
▲ 0.50% · 4.625%
HK$23,059
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,808/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,416
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,113
−HK$709/mo
Today · 4.125%
HK$23,822
baseline
▲ 0.50% · 4.625%
HK$25,271
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,644/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,938
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,607
−HK$678/mo
Today · 4.125%
HK$26,285
baseline
▲ 0.50% · 4.625%
HK$27,671
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,570/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,152
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,966
−HK$826/mo
Today · 4.125%
HK$27,792
baseline
▲ 0.50% · 4.625%
HK$29,483
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,584/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,094
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,874
−HK$792/mo
Today · 4.125%
HK$30,666
baseline
▲ 0.50% · 4.625%
HK$32,282
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,332/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,624
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,670
−HK$1,063/mo
Today · 4.125%
HK$35,733
baseline
▲ 0.50% · 4.625%
HK$37,907
+HK$2,174/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,466/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,407
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,410
−HK$1,017/mo
Today · 4.125%
HK$39,427
baseline
▲ 0.50% · 4.625%
HK$41,506
+HK$2,079/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,854/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,763 · 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).