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$18,780
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,364
−HK$593/mo
Today · 4.125%
HK$19,957
baseline
▲ 0.50% · 4.625%
HK$21,172
+HK$1,215/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,914/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$247,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,892
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,453
−HK$568/mo
Today · 4.125%
HK$22,021
baseline
▲ 0.50% · 4.625%
HK$23,182
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,042/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$247,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,536
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,237
−HK$712/mo
Today · 4.125%
HK$23,949
baseline
▲ 0.50% · 4.625%
HK$25,406
+HK$1,457/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,898/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,071
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,743
−HK$682/mo
Today · 4.125%
HK$26,425
baseline
▲ 0.50% · 4.625%
HK$27,818
+HK$1,393/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,850/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,292
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,109
−HK$831/mo
Today · 4.125%
HK$27,940
baseline
▲ 0.50% · 4.625%
HK$29,640
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,880/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,249
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,034
−HK$795/mo
Today · 4.125%
HK$30,829
baseline
▲ 0.50% · 4.625%
HK$32,454
+HK$1,625/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,658/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,803
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,855
−HK$1,068/mo
Today · 4.125%
HK$35,923
baseline
▲ 0.50% · 4.625%
HK$38,109
+HK$2,186/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$71,846/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,606
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,615
−HK$1,023/mo
Today · 4.125%
HK$39,638
baseline
▲ 0.50% · 4.625%
HK$41,727
+HK$2,089/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$79,276/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,074 · 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).