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$18,712
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,294
−HK$592/mo
Today · 4.125%
HK$19,886
baseline
▲ 0.50% · 4.625%
HK$21,096
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,772/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,817
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,376
−HK$566/mo
Today · 4.125%
HK$21,942
baseline
▲ 0.50% · 4.625%
HK$23,099
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,884/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,455
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,153
−HK$710/mo
Today · 4.125%
HK$23,863
baseline
▲ 0.50% · 4.625%
HK$25,315
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,726/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,981
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,651
−HK$679/mo
Today · 4.125%
HK$26,330
baseline
▲ 0.50% · 4.625%
HK$27,718
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,660/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,197
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,012
−HK$828/mo
Today · 4.125%
HK$27,840
baseline
▲ 0.50% · 4.625%
HK$29,534
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,680/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,144
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,926
−HK$793/mo
Today · 4.125%
HK$30,719
baseline
▲ 0.50% · 4.625%
HK$32,338
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,438/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,682
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,730
−HK$1,064/mo
Today · 4.125%
HK$35,794
baseline
▲ 0.50% · 4.625%
HK$37,972
+HK$2,178/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,588/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,471
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,476
−HK$1,020/mo
Today · 4.125%
HK$39,496
baseline
▲ 0.50% · 4.625%
HK$41,577
+HK$2,081/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$78,992/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,188 · 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).