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$18,706
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,288
−HK$591/mo
Today · 4.125%
HK$19,879
baseline
▲ 0.50% · 4.625%
HK$21,089
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,758/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,810
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,368
−HK$566/mo
Today · 4.125%
HK$21,934
baseline
▲ 0.50% · 4.625%
HK$23,091
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,868/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,447
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,145
−HK$710/mo
Today · 4.125%
HK$23,855
baseline
▲ 0.50% · 4.625%
HK$25,306
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,710/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,972
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,642
−HK$679/mo
Today · 4.125%
HK$26,321
baseline
▲ 0.50% · 4.625%
HK$27,709
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,642/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,188
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,003
−HK$827/mo
Today · 4.125%
HK$27,830
baseline
▲ 0.50% · 4.625%
HK$29,524
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,660/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,134
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,916
−HK$792/mo
Today · 4.125%
HK$30,708
baseline
▲ 0.50% · 4.625%
HK$32,327
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,416/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,671
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,718
−HK$1,064/mo
Today · 4.125%
HK$35,782
baseline
▲ 0.50% · 4.625%
HK$37,959
+HK$2,177/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,564/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,458
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,463
−HK$1,019/mo
Today · 4.125%
HK$39,482
baseline
▲ 0.50% · 4.625%
HK$41,563
+HK$2,081/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,964/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,103 · 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).