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$18,677
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,258
−HK$591/mo
Today · 4.125%
HK$19,849
baseline
▲ 0.50% · 4.625%
HK$21,056
+HK$1,207/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,698/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,779
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,336
−HK$565/mo
Today · 4.125%
HK$21,901
baseline
▲ 0.50% · 4.625%
HK$23,056
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,802/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,413
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,110
−HK$708/mo
Today · 4.125%
HK$23,818
baseline
▲ 0.50% · 4.625%
HK$25,268
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$47,636/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,934
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,603
−HK$678/mo
Today · 4.125%
HK$26,281
baseline
▲ 0.50% · 4.625%
HK$27,667
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$52,562/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,148
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,962
−HK$826/mo
Today · 4.125%
HK$27,788
baseline
▲ 0.50% · 4.625%
HK$29,479
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,576/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,090
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,870
−HK$792/mo
Today · 4.125%
HK$30,662
baseline
▲ 0.50% · 4.625%
HK$32,278
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,324/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,619
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,665
−HK$1,063/mo
Today · 4.125%
HK$35,728
baseline
▲ 0.50% · 4.625%
HK$37,902
+HK$2,174/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,456/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,401
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,404
−HK$1,018/mo
Today · 4.125%
HK$39,422
baseline
▲ 0.50% · 4.625%
HK$41,500
+HK$2,078/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,844/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,729 · 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).