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$18,784
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,368
−HK$594/mo
Today · 4.125%
HK$19,962
baseline
▲ 0.50% · 4.625%
HK$21,177
+HK$1,215/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,924/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,897
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,457
−HK$569/mo
Today · 4.125%
HK$22,026
baseline
▲ 0.50% · 4.625%
HK$23,187
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,052/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,541
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,242
−HK$712/mo
Today · 4.125%
HK$23,954
baseline
▲ 0.50% · 4.625%
HK$25,412
+HK$1,458/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$47,908/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,076
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,749
−HK$682/mo
Today · 4.125%
HK$26,431
baseline
▲ 0.50% · 4.625%
HK$27,824
+HK$1,393/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$52,862/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,298
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,116
−HK$831/mo
Today · 4.125%
HK$27,947
baseline
▲ 0.50% · 4.625%
HK$29,647
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,894/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,256
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,040
−HK$796/mo
Today · 4.125%
HK$30,836
baseline
▲ 0.50% · 4.625%
HK$32,462
+HK$1,626/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,672/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,811
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,863
−HK$1,068/mo
Today · 4.125%
HK$35,931
baseline
▲ 0.50% · 4.625%
HK$38,118
+HK$2,187/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$71,862/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,615
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,623
−HK$1,024/mo
Today · 4.125%
HK$39,647
baseline
▲ 0.50% · 4.625%
HK$41,737
+HK$2,090/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$79,294/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,130 · 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).