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$18,691
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,272
−HK$591/mo
Today · 4.125%
HK$19,863
baseline
▲ 0.50% · 4.625%
HK$21,072
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,726/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,794
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,351
−HK$566/mo
Today · 4.125%
HK$21,917
baseline
▲ 0.50% · 4.625%
HK$23,072
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,834/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,429
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,127
−HK$709/mo
Today · 4.125%
HK$23,836
baseline
▲ 0.50% · 4.625%
HK$25,286
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,672/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,952
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,622
−HK$678/mo
Today · 4.125%
HK$26,300
baseline
▲ 0.50% · 4.625%
HK$27,687
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,600/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,167
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,981
−HK$827/mo
Today · 4.125%
HK$27,808
baseline
▲ 0.50% · 4.625%
HK$29,500
+HK$1,692/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,616/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,111
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,892
−HK$792/mo
Today · 4.125%
HK$30,684
baseline
▲ 0.50% · 4.625%
HK$32,301
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,368/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,644
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,690
−HK$1,064/mo
Today · 4.125%
HK$35,754
baseline
▲ 0.50% · 4.625%
HK$37,929
+HK$2,175/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,508/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,428
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,432
−HK$1,019/mo
Today · 4.125%
HK$39,451
baseline
▲ 0.50% · 4.625%
HK$41,530
+HK$2,079/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,902/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,908 · 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).