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$18,704
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,286
−HK$591/mo
Today · 4.125%
HK$19,877
baseline
▲ 0.50% · 4.625%
HK$21,086
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,754/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,808
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,366
−HK$566/mo
Today · 4.125%
HK$21,932
baseline
▲ 0.50% · 4.625%
HK$23,088
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,864/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,445
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,143
−HK$709/mo
Today · 4.125%
HK$23,852
baseline
▲ 0.50% · 4.625%
HK$25,303
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,704/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,969
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,639
−HK$679/mo
Today · 4.125%
HK$26,318
baseline
▲ 0.50% · 4.625%
HK$27,706
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,636/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,185
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,000
−HK$827/mo
Today · 4.125%
HK$27,827
baseline
▲ 0.50% · 4.625%
HK$29,521
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,654/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,131
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,912
−HK$793/mo
Today · 4.125%
HK$30,705
baseline
▲ 0.50% · 4.625%
HK$32,323
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,410/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,667
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,714
−HK$1,064/mo
Today · 4.125%
HK$35,778
baseline
▲ 0.50% · 4.625%
HK$37,955
+HK$2,177/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,556/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,454
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,459
−HK$1,019/mo
Today · 4.125%
HK$39,478
baseline
▲ 0.50% · 4.625%
HK$41,559
+HK$2,081/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,956/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,076 · 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).