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$19,400
−HK$594/mo
Today · 4.125%
HK$19,994
baseline
▲ 0.50% · 4.625%
HK$21,211
+HK$1,217/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$247,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,931
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,492
−HK$570/mo
Today · 4.125%
HK$22,062
baseline
▲ 0.50% · 4.625%
HK$23,225
+HK$1,163/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,124/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,577
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,280
−HK$713/mo
Today · 4.125%
HK$23,993
baseline
▲ 0.50% · 4.625%
HK$25,453
+HK$1,460/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$247,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,117
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,791
−HK$683/mo
Today · 4.125%
HK$26,474
baseline
▲ 0.50% · 4.625%
HK$27,870
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,948/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,340
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,160
−HK$832/mo
Today · 4.125%
HK$27,992
baseline
▲ 0.50% · 4.625%
HK$29,695
+HK$1,703/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$55,984/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,303
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,089
−HK$797/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$247,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,866
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,919
−HK$1,071/mo
Today · 4.125%
HK$35,990
baseline
▲ 0.50% · 4.625%
HK$38,180
+HK$2,190/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$71,980/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,676
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,686
−HK$1,025/mo
Today · 4.125%
HK$39,711
baseline
▲ 0.50% · 4.625%
HK$41,804
+HK$2,093/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$79,422/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,531 · 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).