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$18,686
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,267
−HK$590/mo
Today · 4.125%
HK$19,857
baseline
▲ 0.50% · 4.625%
HK$21,066
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,714/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,788
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,345
−HK$566/mo
Today · 4.125%
HK$21,911
baseline
▲ 0.50% · 4.625%
HK$23,066
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,822/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,423
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,120
−HK$709/mo
Today · 4.125%
HK$23,829
baseline
▲ 0.50% · 4.625%
HK$25,279
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,658/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,945
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,614
−HK$679/mo
Today · 4.125%
HK$26,293
baseline
▲ 0.50% · 4.625%
HK$27,679
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,586/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,160
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,974
−HK$826/mo
Today · 4.125%
HK$27,800
baseline
▲ 0.50% · 4.625%
HK$29,492
+HK$1,692/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,600/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,103
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,883
−HK$792/mo
Today · 4.125%
HK$30,675
baseline
▲ 0.50% · 4.625%
HK$32,292
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,350/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,634
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,680
−HK$1,063/mo
Today · 4.125%
HK$35,743
baseline
▲ 0.50% · 4.625%
HK$37,918
+HK$2,175/mo
Deposit HK$819K · loan HK$7.38M · min. income ≈ HK$71,486/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,418
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,421
−HK$1,018/mo
Today · 4.125%
HK$39,439
baseline
▲ 0.50% · 4.625%
HK$41,518
+HK$2,079/mo
Deposit HK$819K · loan HK$7.38M · min. income ≈ HK$78,878/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,837 · 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).