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$18,791
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,376
−HK$593/mo
Today · 4.125%
HK$19,969
baseline
▲ 0.50% · 4.625%
HK$21,185
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,938/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,905
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,466
−HK$568/mo
Today · 4.125%
HK$22,034
baseline
▲ 0.50% · 4.625%
HK$23,196
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,068/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,549
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,251
−HK$712/mo
Today · 4.125%
HK$23,963
baseline
▲ 0.50% · 4.625%
HK$25,421
+HK$1,458/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$47,926/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,086
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,759
−HK$682/mo
Today · 4.125%
HK$26,441
baseline
▲ 0.50% · 4.625%
HK$27,835
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$52,882/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,308
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,126
−HK$831/mo
Today · 4.125%
HK$27,957
baseline
▲ 0.50% · 4.625%
HK$29,658
+HK$1,701/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,914/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,267
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,052
−HK$796/mo
Today · 4.125%
HK$30,848
baseline
▲ 0.50% · 4.625%
HK$32,474
+HK$1,626/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,696/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,824
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,876
−HK$1,069/mo
Today · 4.125%
HK$35,945
baseline
▲ 0.50% · 4.625%
HK$38,132
+HK$2,187/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,890/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,629
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,638
−HK$1,024/mo
Today · 4.125%
HK$39,662
baseline
▲ 0.50% · 4.625%
HK$41,752
+HK$2,090/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,324/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,224 · 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).