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$18,786
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,370
−HK$594/mo
Today · 4.125%
HK$19,964
baseline
▲ 0.50% · 4.625%
HK$21,179
+HK$1,215/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,928/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,899
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,460
−HK$568/mo
Today · 4.125%
HK$22,028
baseline
▲ 0.50% · 4.625%
HK$23,189
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,056/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,543
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,244
−HK$713/mo
Today · 4.125%
HK$23,957
baseline
▲ 0.50% · 4.625%
HK$25,414
+HK$1,457/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$47,914/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,079
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,751
−HK$683/mo
Today · 4.125%
HK$26,434
baseline
▲ 0.50% · 4.625%
HK$27,827
+HK$1,393/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$52,868/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,300
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,118
−HK$831/mo
Today · 4.125%
HK$27,949
baseline
▲ 0.50% · 4.625%
HK$29,650
+HK$1,701/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,898/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,259
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,043
−HK$796/mo
Today · 4.125%
HK$30,839
baseline
▲ 0.50% · 4.625%
HK$32,465
+HK$1,626/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,678/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,815
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,866
−HK$1,069/mo
Today · 4.125%
HK$35,935
baseline
▲ 0.50% · 4.625%
HK$38,122
+HK$2,187/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$71,870/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,618
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,627
−HK$1,024/mo
Today · 4.125%
HK$39,651
baseline
▲ 0.50% · 4.625%
HK$41,741
+HK$2,090/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$79,302/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,155 · 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).