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$18,782
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,366
−HK$594/mo
Today · 4.125%
HK$19,960
baseline
▲ 0.50% · 4.625%
HK$21,174
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,920/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,895
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,455
−HK$569/mo
Today · 4.125%
HK$22,024
baseline
▲ 0.50% · 4.625%
HK$23,185
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,048/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,539
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,240
−HK$712/mo
Today · 4.125%
HK$23,952
baseline
▲ 0.50% · 4.625%
HK$25,409
+HK$1,457/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,904/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,074
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,746
−HK$683/mo
Today · 4.125%
HK$26,429
baseline
▲ 0.50% · 4.625%
HK$27,822
+HK$1,393/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,858/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,295
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,113
−HK$831/mo
Today · 4.125%
HK$27,944
baseline
▲ 0.50% · 4.625%
HK$29,644
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,888/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,253
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,037
−HK$796/mo
Today · 4.125%
HK$30,833
baseline
▲ 0.50% · 4.625%
HK$32,459
+HK$1,626/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,666/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,808
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,859
−HK$1,069/mo
Today · 4.125%
HK$35,928
baseline
▲ 0.50% · 4.625%
HK$38,114
+HK$2,186/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$71,856/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,611
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,620
−HK$1,023/mo
Today · 4.125%
HK$39,643
baseline
▲ 0.50% · 4.625%
HK$41,732
+HK$2,089/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$79,286/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,106 · 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).