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$21,087
+HK$1,210/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$246,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,809
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,367
−HK$566/mo
Today · 4.125%
HK$21,933
baseline
▲ 0.50% · 4.625%
HK$23,089
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,866/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,445
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,144
−HK$709/mo
Today · 4.125%
HK$23,853
baseline
▲ 0.50% · 4.625%
HK$25,304
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,706/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,970
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,640
−HK$679/mo
Today · 4.125%
HK$26,319
baseline
▲ 0.50% · 4.625%
HK$27,707
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,638/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,186
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,001
−HK$827/mo
Today · 4.125%
HK$27,828
baseline
▲ 0.50% · 4.625%
HK$29,522
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,656/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,132
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,913
−HK$793/mo
Today · 4.125%
HK$30,706
baseline
▲ 0.50% · 4.625%
HK$32,324
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,412/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,668
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,715
−HK$1,064/mo
Today · 4.125%
HK$35,779
baseline
▲ 0.50% · 4.625%
HK$37,956
+HK$2,177/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,558/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,455
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,460
−HK$1,019/mo
Today · 4.125%
HK$39,479
baseline
▲ 0.50% · 4.625%
HK$41,560
+HK$2,081/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,958/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,085 · 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).