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$18,796
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,380
−HK$594/mo
Today · 4.125%
HK$19,974
baseline
▲ 0.50% · 4.625%
HK$21,190
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,948/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,910
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,471
−HK$569/mo
Today · 4.125%
HK$22,040
baseline
▲ 0.50% · 4.625%
HK$23,202
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,080/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,555
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,257
−HK$712/mo
Today · 4.125%
HK$23,969
baseline
▲ 0.50% · 4.625%
HK$25,428
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,938/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,092
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,765
−HK$683/mo
Today · 4.125%
HK$26,448
baseline
▲ 0.50% · 4.625%
HK$27,842
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,896/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,314
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,133
−HK$831/mo
Today · 4.125%
HK$27,964
baseline
▲ 0.50% · 4.625%
HK$29,666
+HK$1,702/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,928/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,274
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,059
−HK$797/mo
Today · 4.125%
HK$30,856
baseline
▲ 0.50% · 4.625%
HK$32,482
+HK$1,626/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,712/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,832
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,885
−HK$1,069/mo
Today · 4.125%
HK$35,954
baseline
▲ 0.50% · 4.625%
HK$38,142
+HK$2,188/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,908/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,638
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,648
−HK$1,024/mo
Today · 4.125%
HK$39,672
baseline
▲ 0.50% · 4.625%
HK$41,763
+HK$2,091/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,344/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,286 · 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).