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$18,796
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,381
−HK$594/mo
Today · 4.125%
HK$19,975
baseline
▲ 0.50% · 4.625%
HK$21,190
+HK$1,215/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,950/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,911
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,471
−HK$569/mo
Today · 4.125%
HK$22,040
baseline
▲ 0.50% · 4.625%
HK$23,202
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,080/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,555
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,257
−HK$713/mo
Today · 4.125%
HK$23,970
baseline
▲ 0.50% · 4.625%
HK$25,428
+HK$1,458/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,940/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,093
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,766
−HK$682/mo
Today · 4.125%
HK$26,448
baseline
▲ 0.50% · 4.625%
HK$27,842
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,896/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,315
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,133
−HK$832/mo
Today · 4.125%
HK$27,965
baseline
▲ 0.50% · 4.625%
HK$29,666
+HK$1,701/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,930/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,275
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,060
−HK$796/mo
Today · 4.125%
HK$30,856
baseline
▲ 0.50% · 4.625%
HK$32,483
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,712/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,833
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,886
−HK$1,069/mo
Today · 4.125%
HK$35,955
baseline
▲ 0.50% · 4.625%
HK$38,143
+HK$2,188/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,910/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,639
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,648
−HK$1,025/mo
Today · 4.125%
HK$39,673
baseline
▲ 0.50% · 4.625%
HK$41,764
+HK$2,091/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,346/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,291 · 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).