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$18,687
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,268
−HK$591/mo
Today · 4.125%
HK$19,859
baseline
▲ 0.50% · 4.625%
HK$21,067
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,718/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,789
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,347
−HK$565/mo
Today · 4.125%
HK$21,912
baseline
▲ 0.50% · 4.625%
HK$23,067
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,824/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,424
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,122
−HK$709/mo
Today · 4.125%
HK$23,831
baseline
▲ 0.50% · 4.625%
HK$25,281
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,662/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,947
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,616
−HK$679/mo
Today · 4.125%
HK$26,295
baseline
▲ 0.50% · 4.625%
HK$27,681
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,590/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,162
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,976
−HK$826/mo
Today · 4.125%
HK$27,802
baseline
▲ 0.50% · 4.625%
HK$29,494
+HK$1,692/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,604/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,105
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,885
−HK$792/mo
Today · 4.125%
HK$30,677
baseline
▲ 0.50% · 4.625%
HK$32,294
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,354/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,637
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,683
−HK$1,063/mo
Today · 4.125%
HK$35,746
baseline
▲ 0.50% · 4.625%
HK$37,921
+HK$2,175/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,492/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,420
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,424
−HK$1,018/mo
Today · 4.125%
HK$39,442
baseline
▲ 0.50% · 4.625%
HK$41,521
+HK$2,079/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,884/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,854 · 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).