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$18,807
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,392
−HK$595/mo
Today · 4.125%
HK$19,987
baseline
▲ 0.50% · 4.625%
HK$21,203
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,974/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,923
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,484
−HK$570/mo
Today · 4.125%
HK$22,054
baseline
▲ 0.50% · 4.625%
HK$23,216
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,108/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,569
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,271
−HK$713/mo
Today · 4.125%
HK$23,984
baseline
▲ 0.50% · 4.625%
HK$25,444
+HK$1,460/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,968/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,108
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,781
−HK$683/mo
Today · 4.125%
HK$26,464
baseline
▲ 0.50% · 4.625%
HK$27,859
+HK$1,395/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,928/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,330
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,149
−HK$833/mo
Today · 4.125%
HK$27,982
baseline
▲ 0.50% · 4.625%
HK$29,684
+HK$1,702/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,964/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,292
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,078
−HK$797/mo
Today · 4.125%
HK$30,875
baseline
▲ 0.50% · 4.625%
HK$32,502
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,750/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,853
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,906
−HK$1,070/mo
Today · 4.125%
HK$35,976
baseline
▲ 0.50% · 4.625%
HK$38,165
+HK$2,189/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$71,952/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,662
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,672
−HK$1,024/mo
Today · 4.125%
HK$39,696
baseline
▲ 0.50% · 4.625%
HK$41,789
+HK$2,093/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$79,392/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,439 · 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).