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$18,800
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,384
−HK$594/mo
Today · 4.125%
HK$19,978
baseline
▲ 0.50% · 4.625%
HK$21,194
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,956/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,914
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,475
−HK$569/mo
Today · 4.125%
HK$22,044
baseline
▲ 0.50% · 4.625%
HK$23,206
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,088/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,559
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,261
−HK$713/mo
Today · 4.125%
HK$23,974
baseline
▲ 0.50% · 4.625%
HK$25,433
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,948/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,097
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,770
−HK$683/mo
Today · 4.125%
HK$26,453
baseline
▲ 0.50% · 4.625%
HK$27,847
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,906/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,319
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,138
−HK$832/mo
Today · 4.125%
HK$27,970
baseline
▲ 0.50% · 4.625%
HK$29,672
+HK$1,702/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,940/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,280
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,065
−HK$797/mo
Today · 4.125%
HK$30,862
baseline
▲ 0.50% · 4.625%
HK$32,489
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,724/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,839
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,892
−HK$1,069/mo
Today · 4.125%
HK$35,961
baseline
▲ 0.50% · 4.625%
HK$38,149
+HK$2,188/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,922/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,646
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,655
−HK$1,025/mo
Today · 4.125%
HK$39,680
baseline
▲ 0.50% · 4.625%
HK$41,771
+HK$2,091/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,360/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,335 · 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).