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$18,698
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,279
−HK$591/mo
Today · 4.125%
HK$19,870
baseline
▲ 0.50% · 4.625%
HK$21,079
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,740/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$245,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,801
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,359
−HK$566/mo
Today · 4.125%
HK$21,925
baseline
▲ 0.50% · 4.625%
HK$23,081
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,850/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$245,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,437
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,135
−HK$709/mo
Today · 4.125%
HK$23,844
baseline
▲ 0.50% · 4.625%
HK$25,295
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,688/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$245,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,961
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,631
−HK$679/mo
Today · 4.125%
HK$26,310
baseline
▲ 0.50% · 4.625%
HK$27,697
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,620/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$245,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,177
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,991
−HK$827/mo
Today · 4.125%
HK$27,818
baseline
▲ 0.50% · 4.625%
HK$29,511
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,636/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,121
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,903
−HK$792/mo
Today · 4.125%
HK$30,695
baseline
▲ 0.50% · 4.625%
HK$32,313
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,390/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,656
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,703
−HK$1,063/mo
Today · 4.125%
HK$35,766
baseline
▲ 0.50% · 4.625%
HK$37,943
+HK$2,177/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,532/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,442
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,446
−HK$1,019/mo
Today · 4.125%
HK$39,465
baseline
▲ 0.50% · 4.625%
HK$41,545
+HK$2,080/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,930/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,996 · 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).