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$18,714
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,296
−HK$591/mo
Today · 4.125%
HK$19,887
baseline
▲ 0.50% · 4.625%
HK$21,098
+HK$1,211/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$246,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,819
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,377
−HK$567/mo
Today · 4.125%
HK$21,944
baseline
▲ 0.50% · 4.625%
HK$23,101
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,888/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,457
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,155
−HK$710/mo
Today · 4.125%
HK$23,865
baseline
▲ 0.50% · 4.625%
HK$25,317
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,730/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,983
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,653
−HK$680/mo
Today · 4.125%
HK$26,333
baseline
▲ 0.50% · 4.625%
HK$27,721
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,666/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,200
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,014
−HK$828/mo
Today · 4.125%
HK$27,842
baseline
▲ 0.50% · 4.625%
HK$29,537
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,684/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,147
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,928
−HK$793/mo
Today · 4.125%
HK$30,721
baseline
▲ 0.50% · 4.625%
HK$32,341
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,442/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,685
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,733
−HK$1,064/mo
Today · 4.125%
HK$35,797
baseline
▲ 0.50% · 4.625%
HK$37,976
+HK$2,179/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,594/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,474
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,479
−HK$1,020/mo
Today · 4.125%
HK$39,499
baseline
▲ 0.50% · 4.625%
HK$41,581
+HK$2,082/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$78,998/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,209 · 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).