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$18,814
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,399
−HK$595/mo
Today · 4.125%
HK$19,994
baseline
▲ 0.50% · 4.625%
HK$21,210
+HK$1,216/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$39,988/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,930
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,492
−HK$569/mo
Today · 4.125%
HK$22,061
baseline
▲ 0.50% · 4.625%
HK$23,224
+HK$1,163/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,122/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,577
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,279
−HK$714/mo
Today · 4.125%
HK$23,993
baseline
▲ 0.50% · 4.625%
HK$25,452
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,986/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,116
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,790
−HK$683/mo
Today · 4.125%
HK$26,473
baseline
▲ 0.50% · 4.625%
HK$27,869
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,946/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,340
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,159
−HK$832/mo
Today · 4.125%
HK$27,991
baseline
▲ 0.50% · 4.625%
HK$29,695
+HK$1,704/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$55,982/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,303
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,088
−HK$798/mo
Today · 4.125%
HK$30,886
baseline
▲ 0.50% · 4.625%
HK$32,514
+HK$1,628/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,772/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,865
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,919
−HK$1,070/mo
Today · 4.125%
HK$35,989
baseline
▲ 0.50% · 4.625%
HK$38,179
+HK$2,190/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$71,978/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,675
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,685
−HK$1,025/mo
Today · 4.125%
HK$39,710
baseline
▲ 0.50% · 4.625%
HK$41,803
+HK$2,093/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$79,420/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,525 · 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).