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$18,706
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,288
−HK$591/mo
Today · 4.125%
HK$19,879
baseline
▲ 0.50% · 4.625%
HK$21,089
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,758/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,811
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,369
−HK$566/mo
Today · 4.125%
HK$21,935
baseline
▲ 0.50% · 4.625%
HK$23,091
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,870/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,448
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,146
−HK$709/mo
Today · 4.125%
HK$23,855
baseline
▲ 0.50% · 4.625%
HK$25,307
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,710/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,973
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,643
−HK$679/mo
Today · 4.125%
HK$26,322
baseline
▲ 0.50% · 4.625%
HK$27,710
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,644/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,189
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,004
−HK$827/mo
Today · 4.125%
HK$27,831
baseline
▲ 0.50% · 4.625%
HK$29,525
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,662/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,135
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,916
−HK$793/mo
Today · 4.125%
HK$30,709
baseline
▲ 0.50% · 4.625%
HK$32,328
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,418/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,672
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,719
−HK$1,064/mo
Today · 4.125%
HK$35,783
baseline
▲ 0.50% · 4.625%
HK$37,960
+HK$2,177/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,566/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,459
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,464
−HK$1,019/mo
Today · 4.125%
HK$39,483
baseline
▲ 0.50% · 4.625%
HK$41,564
+HK$2,081/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,966/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,110 · 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).