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$18,693
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,275
−HK$591/mo
Today · 4.125%
HK$19,866
baseline
▲ 0.50% · 4.625%
HK$21,074
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,732/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,796
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,354
−HK$566/mo
Today · 4.125%
HK$21,920
baseline
▲ 0.50% · 4.625%
HK$23,075
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,840/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,432
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,130
−HK$709/mo
Today · 4.125%
HK$23,839
baseline
▲ 0.50% · 4.625%
HK$25,289
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,678/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$245,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,956
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,625
−HK$679/mo
Today · 4.125%
HK$26,304
baseline
▲ 0.50% · 4.625%
HK$27,690
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,608/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$245,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,171
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,985
−HK$827/mo
Today · 4.125%
HK$27,812
baseline
▲ 0.50% · 4.625%
HK$29,504
+HK$1,692/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,624/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,115
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,896
−HK$792/mo
Today · 4.125%
HK$30,688
baseline
▲ 0.50% · 4.625%
HK$32,305
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,376/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,648
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,695
−HK$1,063/mo
Today · 4.125%
HK$35,758
baseline
▲ 0.50% · 4.625%
HK$37,934
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,516/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,433
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,437
−HK$1,019/mo
Today · 4.125%
HK$39,456
baseline
▲ 0.50% · 4.625%
HK$41,535
+HK$2,079/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,912/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,939 · 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).