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$18,799
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,384
−HK$594/mo
Today · 4.125%
HK$19,978
baseline
▲ 0.50% · 4.625%
HK$21,194
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,956/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,914
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,475
−HK$569/mo
Today · 4.125%
HK$22,044
baseline
▲ 0.50% · 4.625%
HK$23,206
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,088/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,559
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,261
−HK$713/mo
Today · 4.125%
HK$23,974
baseline
▲ 0.50% · 4.625%
HK$25,432
+HK$1,458/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,948/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,097
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,770
−HK$682/mo
Today · 4.125%
HK$26,452
baseline
▲ 0.50% · 4.625%
HK$27,847
+HK$1,395/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,904/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,319
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,137
−HK$832/mo
Today · 4.125%
HK$27,969
baseline
▲ 0.50% · 4.625%
HK$29,671
+HK$1,702/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,938/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,279
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,065
−HK$796/mo
Today · 4.125%
HK$30,861
baseline
▲ 0.50% · 4.625%
HK$32,488
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,722/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,838
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,891
−HK$1,069/mo
Today · 4.125%
HK$35,960
baseline
▲ 0.50% · 4.625%
HK$38,148
+HK$2,188/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,920/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,645
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,654
−HK$1,025/mo
Today · 4.125%
HK$39,679
baseline
▲ 0.50% · 4.625%
HK$41,770
+HK$2,091/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,358/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,329 · 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).