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$18,802
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,387
−HK$594/mo
Today · 4.125%
HK$19,981
baseline
▲ 0.50% · 4.625%
HK$21,197
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,962/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,917
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,478
−HK$569/mo
Today · 4.125%
HK$22,047
baseline
▲ 0.50% · 4.625%
HK$23,210
+HK$1,163/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,094/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,563
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,264
−HK$714/mo
Today · 4.125%
HK$23,978
baseline
▲ 0.50% · 4.625%
HK$25,437
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,956/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,101
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,774
−HK$683/mo
Today · 4.125%
HK$26,457
baseline
▲ 0.50% · 4.625%
HK$27,851
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,914/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,323
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,142
−HK$832/mo
Today · 4.125%
HK$27,974
baseline
▲ 0.50% · 4.625%
HK$29,676
+HK$1,702/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,948/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,284
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,070
−HK$796/mo
Today · 4.125%
HK$30,866
baseline
▲ 0.50% · 4.625%
HK$32,493
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,732/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,844
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,897
−HK$1,069/mo
Today · 4.125%
HK$35,966
baseline
▲ 0.50% · 4.625%
HK$38,155
+HK$2,189/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$71,932/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,651
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,661
−HK$1,024/mo
Today · 4.125%
HK$39,685
baseline
▲ 0.50% · 4.625%
HK$41,777
+HK$2,092/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$79,370/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,370 · 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).