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$18,688
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,269
−HK$591/mo
Today · 4.125%
HK$19,860
baseline
▲ 0.50% · 4.625%
HK$21,068
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,720/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,790
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,348
−HK$565/mo
Today · 4.125%
HK$21,913
baseline
▲ 0.50% · 4.625%
HK$23,068
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,826/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,425
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,123
−HK$709/mo
Today · 4.125%
HK$23,832
baseline
▲ 0.50% · 4.625%
HK$25,282
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,664/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,948
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,617
−HK$679/mo
Today · 4.125%
HK$26,296
baseline
▲ 0.50% · 4.625%
HK$27,682
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,592/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,163
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,977
−HK$827/mo
Today · 4.125%
HK$27,804
baseline
▲ 0.50% · 4.625%
HK$29,495
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,608/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,106
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,887
−HK$792/mo
Today · 4.125%
HK$30,679
baseline
▲ 0.50% · 4.625%
HK$32,296
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,358/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,638
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,684
−HK$1,063/mo
Today · 4.125%
HK$35,747
baseline
▲ 0.50% · 4.625%
HK$37,923
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,494/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,422
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,426
−HK$1,018/mo
Today · 4.125%
HK$39,444
baseline
▲ 0.50% · 4.625%
HK$41,523
+HK$2,079/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,888/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,865 · 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).