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$18,684
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,265
−HK$590/mo
Today · 4.125%
HK$19,855
baseline
▲ 0.50% · 4.625%
HK$21,064
+HK$1,209/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$245,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,785
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,343
−HK$565/mo
Today · 4.125%
HK$21,908
baseline
▲ 0.50% · 4.625%
HK$23,063
+HK$1,155/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$245,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,420
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,118
−HK$708/mo
Today · 4.125%
HK$23,826
baseline
▲ 0.50% · 4.625%
HK$25,276
+HK$1,450/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$245,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,943
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,612
−HK$678/mo
Today · 4.125%
HK$26,290
baseline
▲ 0.50% · 4.625%
HK$27,676
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,580/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,157
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,971
−HK$827/mo
Today · 4.125%
HK$27,798
baseline
▲ 0.50% · 4.625%
HK$29,489
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,596/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,100
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,880
−HK$792/mo
Today · 4.125%
HK$30,672
baseline
▲ 0.50% · 4.625%
HK$32,289
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,344/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,631
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,677
−HK$1,063/mo
Today · 4.125%
HK$35,740
baseline
▲ 0.50% · 4.625%
HK$37,914
+HK$2,174/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,480/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,414
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,417
−HK$1,018/mo
Today · 4.125%
HK$39,435
baseline
▲ 0.50% · 4.625%
HK$41,514
+HK$2,079/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,870/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,812 · 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).