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$18,776
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,360
−HK$594/mo
Today · 4.125%
HK$19,954
baseline
▲ 0.50% · 4.625%
HK$21,168
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,908/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$247,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,888
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,448
−HK$569/mo
Today · 4.125%
HK$22,017
baseline
▲ 0.50% · 4.625%
HK$23,177
+HK$1,160/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,034/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$247,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,531
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,232
−HK$712/mo
Today · 4.125%
HK$23,944
baseline
▲ 0.50% · 4.625%
HK$25,401
+HK$1,457/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,888/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,066
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,738
−HK$682/mo
Today · 4.125%
HK$26,420
baseline
▲ 0.50% · 4.625%
HK$27,813
+HK$1,393/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,840/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,287
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,104
−HK$831/mo
Today · 4.125%
HK$27,935
baseline
▲ 0.50% · 4.625%
HK$29,635
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,870/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,243
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,028
−HK$795/mo
Today · 4.125%
HK$30,823
baseline
▲ 0.50% · 4.625%
HK$32,448
+HK$1,625/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,646/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,797
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,848
−HK$1,068/mo
Today · 4.125%
HK$35,916
baseline
▲ 0.50% · 4.625%
HK$38,102
+HK$2,186/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,832/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,599
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,607
−HK$1,023/mo
Today · 4.125%
HK$39,630
baseline
▲ 0.50% · 4.625%
HK$41,719
+HK$2,089/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,260/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,026 · 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).