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$18,778
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,362
−HK$594/mo
Today · 4.125%
HK$19,956
baseline
▲ 0.50% · 4.625%
HK$21,170
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,912/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$247,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,891
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,451
−HK$568/mo
Today · 4.125%
HK$22,019
baseline
▲ 0.50% · 4.625%
HK$23,180
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,038/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$247,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,534
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,235
−HK$712/mo
Today · 4.125%
HK$23,947
baseline
▲ 0.50% · 4.625%
HK$25,404
+HK$1,457/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,894/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,069
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,741
−HK$682/mo
Today · 4.125%
HK$26,423
baseline
▲ 0.50% · 4.625%
HK$27,816
+HK$1,393/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,846/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,290
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,107
−HK$831/mo
Today · 4.125%
HK$27,938
baseline
▲ 0.50% · 4.625%
HK$29,638
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,876/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,247
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,031
−HK$796/mo
Today · 4.125%
HK$30,827
baseline
▲ 0.50% · 4.625%
HK$32,452
+HK$1,625/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,654/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,801
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,852
−HK$1,069/mo
Today · 4.125%
HK$35,921
baseline
▲ 0.50% · 4.625%
HK$38,106
+HK$2,185/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$71,842/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,603
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,612
−HK$1,023/mo
Today · 4.125%
HK$39,635
baseline
▲ 0.50% · 4.625%
HK$41,724
+HK$2,089/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$79,270/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,057 · 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).