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$18,676
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,257
−HK$590/mo
Today · 4.125%
HK$19,847
baseline
▲ 0.50% · 4.625%
HK$21,055
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,694/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,777
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,334
−HK$565/mo
Today · 4.125%
HK$21,899
baseline
▲ 0.50% · 4.625%
HK$23,053
+HK$1,154/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,798/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,411
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,108
−HK$708/mo
Today · 4.125%
HK$23,816
baseline
▲ 0.50% · 4.625%
HK$25,265
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$47,632/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,932
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,601
−HK$678/mo
Today · 4.125%
HK$26,279
baseline
▲ 0.50% · 4.625%
HK$27,664
+HK$1,385/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$52,558/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,146
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,959
−HK$827/mo
Today · 4.125%
HK$27,786
baseline
▲ 0.50% · 4.625%
HK$29,476
+HK$1,690/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,572/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,087
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,867
−HK$792/mo
Today · 4.125%
HK$30,659
baseline
▲ 0.50% · 4.625%
HK$32,275
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,318/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,616
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,662
−HK$1,062/mo
Today · 4.125%
HK$35,724
baseline
▲ 0.50% · 4.625%
HK$37,898
+HK$2,174/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,448/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,398
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,401
−HK$1,017/mo
Today · 4.125%
HK$39,418
baseline
▲ 0.50% · 4.625%
HK$41,496
+HK$2,078/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,836/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,707 · 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).