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$18,790
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,375
−HK$594/mo
Today · 4.125%
HK$19,969
baseline
▲ 0.50% · 4.625%
HK$21,184
+HK$1,215/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$247,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,904
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,465
−HK$568/mo
Today · 4.125%
HK$22,033
baseline
▲ 0.50% · 4.625%
HK$23,195
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,066/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,548
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,250
−HK$712/mo
Today · 4.125%
HK$23,962
baseline
▲ 0.50% · 4.625%
HK$25,421
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$47,924/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,085
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,758
−HK$682/mo
Today · 4.125%
HK$26,440
baseline
▲ 0.50% · 4.625%
HK$27,834
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$52,880/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,307
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,125
−HK$831/mo
Today · 4.125%
HK$27,956
baseline
▲ 0.50% · 4.625%
HK$29,657
+HK$1,701/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,912/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,266
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,051
−HK$796/mo
Today · 4.125%
HK$30,847
baseline
▲ 0.50% · 4.625%
HK$32,473
+HK$1,626/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,694/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,823
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,875
−HK$1,069/mo
Today · 4.125%
HK$35,944
baseline
▲ 0.50% · 4.625%
HK$38,131
+HK$2,187/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,888/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,627
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,637
−HK$1,023/mo
Today · 4.125%
HK$39,660
baseline
▲ 0.50% · 4.625%
HK$41,751
+HK$2,091/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,320/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,215 · 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).