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$18,683
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,264
−HK$591/mo
Today · 4.125%
HK$19,855
baseline
▲ 0.50% · 4.625%
HK$21,063
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,710/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,785
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,342
−HK$566/mo
Today · 4.125%
HK$21,908
baseline
▲ 0.50% · 4.625%
HK$23,062
+HK$1,154/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,816/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,420
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,117
−HK$709/mo
Today · 4.125%
HK$23,826
baseline
▲ 0.50% · 4.625%
HK$25,275
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,652/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,942
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,611
−HK$678/mo
Today · 4.125%
HK$26,289
baseline
▲ 0.50% · 4.625%
HK$27,675
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,578/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,156
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,970
−HK$827/mo
Today · 4.125%
HK$27,797
baseline
▲ 0.50% · 4.625%
HK$29,488
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,594/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,099
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,879
−HK$792/mo
Today · 4.125%
HK$30,671
baseline
▲ 0.50% · 4.625%
HK$32,287
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,342/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,630
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,676
−HK$1,062/mo
Today · 4.125%
HK$35,738
baseline
▲ 0.50% · 4.625%
HK$37,913
+HK$2,175/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,476/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,413
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,416
−HK$1,018/mo
Today · 4.125%
HK$39,434
baseline
▲ 0.50% · 4.625%
HK$41,512
+HK$2,078/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,868/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,803 · 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).