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$18,788
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,372
−HK$594/mo
Today · 4.125%
HK$19,966
baseline
▲ 0.50% · 4.625%
HK$21,181
+HK$1,215/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,932/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,901
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,462
−HK$568/mo
Today · 4.125%
HK$22,030
baseline
▲ 0.50% · 4.625%
HK$23,192
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,060/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,545
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,247
−HK$712/mo
Today · 4.125%
HK$23,959
baseline
▲ 0.50% · 4.625%
HK$25,417
+HK$1,458/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$47,918/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,081
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,754
−HK$682/mo
Today · 4.125%
HK$26,436
baseline
▲ 0.50% · 4.625%
HK$27,830
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$52,872/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,303
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,121
−HK$831/mo
Today · 4.125%
HK$27,952
baseline
▲ 0.50% · 4.625%
HK$29,653
+HK$1,701/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,904/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,262
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,046
−HK$796/mo
Today · 4.125%
HK$30,842
baseline
▲ 0.50% · 4.625%
HK$32,468
+HK$1,626/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,684/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,818
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,870
−HK$1,069/mo
Today · 4.125%
HK$35,939
baseline
▲ 0.50% · 4.625%
HK$38,125
+HK$2,186/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,878/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,622
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,631
−HK$1,024/mo
Today · 4.125%
HK$39,655
baseline
▲ 0.50% · 4.625%
HK$41,745
+HK$2,090/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,310/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,179 · 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).