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$18,680
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,261
−HK$590/mo
Today · 4.125%
HK$19,851
baseline
▲ 0.50% · 4.625%
HK$21,059
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,702/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,781
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,338
−HK$565/mo
Today · 4.125%
HK$21,903
baseline
▲ 0.50% · 4.625%
HK$23,058
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,806/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,415
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,113
−HK$708/mo
Today · 4.125%
HK$23,821
baseline
▲ 0.50% · 4.625%
HK$25,271
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,642/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,937
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,606
−HK$678/mo
Today · 4.125%
HK$26,284
baseline
▲ 0.50% · 4.625%
HK$27,670
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,568/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,151
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,965
−HK$826/mo
Today · 4.125%
HK$27,791
baseline
▲ 0.50% · 4.625%
HK$29,482
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,582/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,093
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,873
−HK$792/mo
Today · 4.125%
HK$30,665
baseline
▲ 0.50% · 4.625%
HK$32,281
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,330/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,623
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,669
−HK$1,063/mo
Today · 4.125%
HK$35,732
baseline
▲ 0.50% · 4.625%
HK$37,906
+HK$2,174/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,464/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,405
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,409
−HK$1,017/mo
Today · 4.125%
HK$39,426
baseline
▲ 0.50% · 4.625%
HK$41,504
+HK$2,078/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,852/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,756 · 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).