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$18,797
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,382
−HK$594/mo
Today · 4.125%
HK$19,976
baseline
▲ 0.50% · 4.625%
HK$21,191
+HK$1,215/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,952/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,912
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,472
−HK$569/mo
Today · 4.125%
HK$22,041
baseline
▲ 0.50% · 4.625%
HK$23,203
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,082/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,557
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,258
−HK$713/mo
Today · 4.125%
HK$23,971
baseline
▲ 0.50% · 4.625%
HK$25,430
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,942/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,094
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,767
−HK$683/mo
Today · 4.125%
HK$26,450
baseline
▲ 0.50% · 4.625%
HK$27,844
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,900/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,316
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,135
−HK$831/mo
Today · 4.125%
HK$27,966
baseline
▲ 0.50% · 4.625%
HK$29,668
+HK$1,702/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,932/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,276
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,061
−HK$797/mo
Today · 4.125%
HK$30,858
baseline
▲ 0.50% · 4.625%
HK$32,485
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,716/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,835
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,887
−HK$1,070/mo
Today · 4.125%
HK$35,957
baseline
▲ 0.50% · 4.625%
HK$38,145
+HK$2,188/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,914/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,641
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,650
−HK$1,025/mo
Today · 4.125%
HK$39,675
baseline
▲ 0.50% · 4.625%
HK$41,766
+HK$2,091/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,350/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,304 · 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).