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$18,708
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,290
−HK$592/mo
Today · 4.125%
HK$19,882
baseline
▲ 0.50% · 4.625%
HK$21,091
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,764/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,813
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,371
−HK$566/mo
Today · 4.125%
HK$21,937
baseline
▲ 0.50% · 4.625%
HK$23,094
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,874/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,450
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,148
−HK$710/mo
Today · 4.125%
HK$23,858
baseline
▲ 0.50% · 4.625%
HK$25,310
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,716/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,975
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,645
−HK$680/mo
Today · 4.125%
HK$26,325
baseline
▲ 0.50% · 4.625%
HK$27,712
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,650/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,192
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,006
−HK$828/mo
Today · 4.125%
HK$27,834
baseline
▲ 0.50% · 4.625%
HK$29,528
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,668/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,138
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,919
−HK$793/mo
Today · 4.125%
HK$30,712
baseline
▲ 0.50% · 4.625%
HK$32,331
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,424/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,675
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,723
−HK$1,064/mo
Today · 4.125%
HK$35,787
baseline
▲ 0.50% · 4.625%
HK$37,964
+HK$2,177/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,574/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,463
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,468
−HK$1,019/mo
Today · 4.125%
HK$39,487
baseline
▲ 0.50% · 4.625%
HK$41,569
+HK$2,082/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,974/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,136 · 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).