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$18,711
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,293
−HK$591/mo
Today · 4.125%
HK$19,884
baseline
▲ 0.50% · 4.625%
HK$21,094
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,768/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,815
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,374
−HK$566/mo
Today · 4.125%
HK$21,940
baseline
▲ 0.50% · 4.625%
HK$23,097
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,880/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,453
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,151
−HK$710/mo
Today · 4.125%
HK$23,861
baseline
▲ 0.50% · 4.625%
HK$25,313
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,722/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,979
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,648
−HK$680/mo
Today · 4.125%
HK$26,328
baseline
▲ 0.50% · 4.625%
HK$27,716
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,656/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,195
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,010
−HK$828/mo
Today · 4.125%
HK$27,838
baseline
▲ 0.50% · 4.625%
HK$29,531
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,676/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,142
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,923
−HK$793/mo
Today · 4.125%
HK$30,716
baseline
▲ 0.50% · 4.625%
HK$32,335
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,432/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,679
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,727
−HK$1,064/mo
Today · 4.125%
HK$35,791
baseline
▲ 0.50% · 4.625%
HK$37,969
+HK$2,178/mo
Deposit HK$821K · loan HK$7.38M · min. income ≈ HK$71,582/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,468
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,473
−HK$1,019/mo
Today · 4.125%
HK$39,492
baseline
▲ 0.50% · 4.625%
HK$41,574
+HK$2,082/mo
Deposit HK$821K · loan HK$7.38M · min. income ≈ HK$78,984/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,166 · 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).