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$18,701
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,283
−HK$591/mo
Today · 4.125%
HK$19,874
baseline
▲ 0.50% · 4.625%
HK$21,084
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,748/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,805
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,363
−HK$566/mo
Today · 4.125%
HK$21,929
baseline
▲ 0.50% · 4.625%
HK$23,085
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,858/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,442
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,140
−HK$709/mo
Today · 4.125%
HK$23,849
baseline
▲ 0.50% · 4.625%
HK$25,300
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,698/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,966
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,636
−HK$679/mo
Today · 4.125%
HK$26,315
baseline
▲ 0.50% · 4.625%
HK$27,702
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,630/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,182
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,996
−HK$828/mo
Today · 4.125%
HK$27,824
baseline
▲ 0.50% · 4.625%
HK$29,517
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,648/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,127
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,908
−HK$793/mo
Today · 4.125%
HK$30,701
baseline
▲ 0.50% · 4.625%
HK$32,319
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,402/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,663
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,710
−HK$1,064/mo
Today · 4.125%
HK$35,774
baseline
▲ 0.50% · 4.625%
HK$37,950
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,548/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,449
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,454
−HK$1,019/mo
Today · 4.125%
HK$39,473
baseline
▲ 0.50% · 4.625%
HK$41,553
+HK$2,080/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,946/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,045 · 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).