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$18,797
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,381
−HK$594/mo
Today · 4.125%
HK$19,975
baseline
▲ 0.50% · 4.625%
HK$21,191
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,950/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,911
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,472
−HK$569/mo
Today · 4.125%
HK$22,041
baseline
▲ 0.50% · 4.625%
HK$23,203
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,082/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,556
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,258
−HK$712/mo
Today · 4.125%
HK$23,970
baseline
▲ 0.50% · 4.625%
HK$25,429
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,940/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,093
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,766
−HK$683/mo
Today · 4.125%
HK$26,449
baseline
▲ 0.50% · 4.625%
HK$27,843
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,898/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,315
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,134
−HK$831/mo
Today · 4.125%
HK$27,965
baseline
▲ 0.50% · 4.625%
HK$29,667
+HK$1,702/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,930/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,275
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,061
−HK$796/mo
Today · 4.125%
HK$30,857
baseline
▲ 0.50% · 4.625%
HK$32,484
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,714/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,834
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,886
−HK$1,070/mo
Today · 4.125%
HK$35,956
baseline
▲ 0.50% · 4.625%
HK$38,143
+HK$2,187/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,912/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,640
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,649
−HK$1,024/mo
Today · 4.125%
HK$39,673
baseline
▲ 0.50% · 4.625%
HK$41,765
+HK$2,092/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,346/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,296 · 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).