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$18,792
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,376
−HK$594/mo
Today · 4.125%
HK$19,970
baseline
▲ 0.50% · 4.625%
HK$21,186
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,940/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,906
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,467
−HK$568/mo
Today · 4.125%
HK$22,035
baseline
▲ 0.50% · 4.625%
HK$23,197
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,070/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,550
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,252
−HK$712/mo
Today · 4.125%
HK$23,964
baseline
▲ 0.50% · 4.625%
HK$25,423
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$47,928/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,087
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,760
−HK$682/mo
Today · 4.125%
HK$26,442
baseline
▲ 0.50% · 4.625%
HK$27,836
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$52,884/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,309
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,127
−HK$831/mo
Today · 4.125%
HK$27,958
baseline
▲ 0.50% · 4.625%
HK$29,660
+HK$1,702/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,916/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,268
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,053
−HK$796/mo
Today · 4.125%
HK$30,849
baseline
▲ 0.50% · 4.625%
HK$32,476
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,698/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,825
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,878
−HK$1,069/mo
Today · 4.125%
HK$35,947
baseline
▲ 0.50% · 4.625%
HK$38,134
+HK$2,187/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,894/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,631
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,640
−HK$1,024/mo
Today · 4.125%
HK$39,664
baseline
▲ 0.50% · 4.625%
HK$41,754
+HK$2,090/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,328/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,235 · 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).