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$18,697
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,278
−HK$591/mo
Today · 4.125%
HK$19,869
baseline
▲ 0.50% · 4.625%
HK$21,078
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,738/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$245,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,800
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,358
−HK$566/mo
Today · 4.125%
HK$21,924
baseline
▲ 0.50% · 4.625%
HK$23,079
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,848/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$245,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,436
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,134
−HK$709/mo
Today · 4.125%
HK$23,843
baseline
▲ 0.50% · 4.625%
HK$25,294
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,686/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$245,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,960
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,629
−HK$680/mo
Today · 4.125%
HK$26,309
baseline
▲ 0.50% · 4.625%
HK$27,695
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,618/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$245,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,176
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,990
−HK$827/mo
Today · 4.125%
HK$27,817
baseline
▲ 0.50% · 4.625%
HK$29,510
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,634/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,120
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,901
−HK$792/mo
Today · 4.125%
HK$30,693
baseline
▲ 0.50% · 4.625%
HK$32,311
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,386/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,654
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,701
−HK$1,064/mo
Today · 4.125%
HK$35,765
baseline
▲ 0.50% · 4.625%
HK$37,941
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,530/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,440
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,444
−HK$1,019/mo
Today · 4.125%
HK$39,463
baseline
▲ 0.50% · 4.625%
HK$41,543
+HK$2,080/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,926/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,984 · 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).