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$18,675
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,256
−HK$590/mo
Today · 4.125%
HK$19,846
baseline
▲ 0.50% · 4.625%
HK$21,054
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,692/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,776
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,333
−HK$566/mo
Today · 4.125%
HK$21,899
baseline
▲ 0.50% · 4.625%
HK$23,053
+HK$1,154/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,798/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,410
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,108
−HK$708/mo
Today · 4.125%
HK$23,816
baseline
▲ 0.50% · 4.625%
HK$25,265
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$47,632/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,931
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,600
−HK$678/mo
Today · 4.125%
HK$26,278
baseline
▲ 0.50% · 4.625%
HK$27,664
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$52,556/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,146
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,959
−HK$826/mo
Today · 4.125%
HK$27,785
baseline
▲ 0.50% · 4.625%
HK$29,476
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,570/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,087
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,867
−HK$791/mo
Today · 4.125%
HK$30,658
baseline
▲ 0.50% · 4.625%
HK$32,274
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,316/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,616
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,661
−HK$1,063/mo
Today · 4.125%
HK$35,724
baseline
▲ 0.50% · 4.625%
HK$37,897
+HK$2,173/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,448/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,397
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,400
−HK$1,018/mo
Today · 4.125%
HK$39,418
baseline
▲ 0.50% · 4.625%
HK$41,495
+HK$2,077/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,836/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,701 · 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).