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$18,702
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,284
−HK$591/mo
Today · 4.125%
HK$19,875
baseline
▲ 0.50% · 4.625%
HK$21,084
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,750/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,806
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,364
−HK$566/mo
Today · 4.125%
HK$21,930
baseline
▲ 0.50% · 4.625%
HK$23,086
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,860/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,442
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,140
−HK$710/mo
Today · 4.125%
HK$23,850
baseline
▲ 0.50% · 4.625%
HK$25,301
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,700/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,967
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,637
−HK$679/mo
Today · 4.125%
HK$26,316
baseline
▲ 0.50% · 4.625%
HK$27,703
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,632/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,183
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,997
−HK$828/mo
Today · 4.125%
HK$27,825
baseline
▲ 0.50% · 4.625%
HK$29,518
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,650/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,128
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,909
−HK$793/mo
Today · 4.125%
HK$30,702
baseline
▲ 0.50% · 4.625%
HK$32,320
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,404/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,664
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,711
−HK$1,064/mo
Today · 4.125%
HK$35,775
baseline
▲ 0.50% · 4.625%
HK$37,951
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,550/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,450
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,455
−HK$1,019/mo
Today · 4.125%
HK$39,474
baseline
▲ 0.50% · 4.625%
HK$41,554
+HK$2,080/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,948/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,052 · 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).