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$18,804
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,389
−HK$594/mo
Today · 4.125%
HK$19,983
baseline
▲ 0.50% · 4.625%
HK$21,199
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,966/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,919
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,480
−HK$569/mo
Today · 4.125%
HK$22,049
baseline
▲ 0.50% · 4.625%
HK$23,212
+HK$1,163/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,098/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,565
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,267
−HK$713/mo
Today · 4.125%
HK$23,980
baseline
▲ 0.50% · 4.625%
HK$25,439
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,960/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,103
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,776
−HK$683/mo
Today · 4.125%
HK$26,459
baseline
▲ 0.50% · 4.625%
HK$27,854
+HK$1,395/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,918/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,325
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,144
−HK$832/mo
Today · 4.125%
HK$27,976
baseline
▲ 0.50% · 4.625%
HK$29,679
+HK$1,703/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,952/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,287
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,072
−HK$797/mo
Today · 4.125%
HK$30,869
baseline
▲ 0.50% · 4.625%
HK$32,496
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,738/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,847
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,900
−HK$1,070/mo
Today · 4.125%
HK$35,970
baseline
▲ 0.50% · 4.625%
HK$38,158
+HK$2,188/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$71,940/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,655
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,664
−HK$1,025/mo
Today · 4.125%
HK$39,689
baseline
▲ 0.50% · 4.625%
HK$41,781
+HK$2,092/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$79,378/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,393 · 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).