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$18,810
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,395
−HK$595/mo
Today · 4.125%
HK$19,990
baseline
▲ 0.50% · 4.625%
HK$21,206
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,980/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,926
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,487
−HK$570/mo
Today · 4.125%
HK$22,057
baseline
▲ 0.50% · 4.625%
HK$23,219
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,114/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,572
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,274
−HK$714/mo
Today · 4.125%
HK$23,988
baseline
▲ 0.50% · 4.625%
HK$25,447
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,976/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,111
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,785
−HK$683/mo
Today · 4.125%
HK$26,468
baseline
▲ 0.50% · 4.625%
HK$27,863
+HK$1,395/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,936/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,334
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,154
−HK$832/mo
Today · 4.125%
HK$27,986
baseline
▲ 0.50% · 4.625%
HK$29,689
+HK$1,703/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,972/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,297
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,082
−HK$798/mo
Today · 4.125%
HK$30,880
baseline
▲ 0.50% · 4.625%
HK$32,507
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,760/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,858
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,912
−HK$1,070/mo
Today · 4.125%
HK$35,982
baseline
▲ 0.50% · 4.625%
HK$38,171
+HK$2,189/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$71,964/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,667
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,677
−HK$1,025/mo
Today · 4.125%
HK$39,702
baseline
▲ 0.50% · 4.625%
HK$41,795
+HK$2,093/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$79,404/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,476 · 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).