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$18,710
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,292
−HK$591/mo
Today · 4.125%
HK$19,883
baseline
▲ 0.50% · 4.625%
HK$21,093
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,766/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,814
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,373
−HK$566/mo
Today · 4.125%
HK$21,939
baseline
▲ 0.50% · 4.625%
HK$23,095
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,878/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,452
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,150
−HK$710/mo
Today · 4.125%
HK$23,860
baseline
▲ 0.50% · 4.625%
HK$25,311
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,720/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,977
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,647
−HK$680/mo
Today · 4.125%
HK$26,327
baseline
▲ 0.50% · 4.625%
HK$27,714
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,654/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,194
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,008
−HK$828/mo
Today · 4.125%
HK$27,836
baseline
▲ 0.50% · 4.625%
HK$29,530
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,672/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,140
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,922
−HK$792/mo
Today · 4.125%
HK$30,714
baseline
▲ 0.50% · 4.625%
HK$32,333
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,428/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,677
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,725
−HK$1,064/mo
Today · 4.125%
HK$35,789
baseline
▲ 0.50% · 4.625%
HK$37,967
+HK$2,178/mo
Deposit HK$821K · loan HK$7.38M · min. income ≈ HK$71,578/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,466
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,471
−HK$1,019/mo
Today · 4.125%
HK$39,490
baseline
▲ 0.50% · 4.625%
HK$41,572
+HK$2,082/mo
Deposit HK$821K · loan HK$7.38M · min. income ≈ HK$78,980/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,153 · 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).