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$18,806
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,391
−HK$594/mo
Today · 4.125%
HK$19,985
baseline
▲ 0.50% · 4.625%
HK$21,201
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,970/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,922
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,483
−HK$569/mo
Today · 4.125%
HK$22,052
baseline
▲ 0.50% · 4.625%
HK$23,214
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,104/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,567
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,269
−HK$714/mo
Today · 4.125%
HK$23,983
baseline
▲ 0.50% · 4.625%
HK$25,442
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,966/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,106
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,779
−HK$683/mo
Today · 4.125%
HK$26,462
baseline
▲ 0.50% · 4.625%
HK$27,857
+HK$1,395/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,924/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,329
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,148
−HK$832/mo
Today · 4.125%
HK$27,980
baseline
▲ 0.50% · 4.625%
HK$29,682
+HK$1,702/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,960/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,290
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,076
−HK$797/mo
Today · 4.125%
HK$30,873
baseline
▲ 0.50% · 4.625%
HK$32,500
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,746/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,851
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,904
−HK$1,070/mo
Today · 4.125%
HK$35,974
baseline
▲ 0.50% · 4.625%
HK$38,163
+HK$2,189/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$71,948/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,659
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,669
−HK$1,024/mo
Today · 4.125%
HK$39,693
baseline
▲ 0.50% · 4.625%
HK$41,786
+HK$2,093/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$79,386/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,422 · 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).