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$18,778
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,362
−HK$593/mo
Today · 4.125%
HK$19,955
baseline
▲ 0.50% · 4.625%
HK$21,169
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,910/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$247,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,890
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,450
−HK$569/mo
Today · 4.125%
HK$22,019
baseline
▲ 0.50% · 4.625%
HK$23,179
+HK$1,160/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,038/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$247,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,533
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,234
−HK$712/mo
Today · 4.125%
HK$23,946
baseline
▲ 0.50% · 4.625%
HK$25,403
+HK$1,457/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,892/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,068
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,740
−HK$682/mo
Today · 4.125%
HK$26,422
baseline
▲ 0.50% · 4.625%
HK$27,815
+HK$1,393/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,844/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,289
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,106
−HK$831/mo
Today · 4.125%
HK$27,937
baseline
▲ 0.50% · 4.625%
HK$29,637
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,874/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,246
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,030
−HK$796/mo
Today · 4.125%
HK$30,826
baseline
▲ 0.50% · 4.625%
HK$32,451
+HK$1,625/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,652/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,800
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,851
−HK$1,068/mo
Today · 4.125%
HK$35,919
baseline
▲ 0.50% · 4.625%
HK$38,105
+HK$2,186/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,838/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,602
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,610
−HK$1,023/mo
Today · 4.125%
HK$39,633
baseline
▲ 0.50% · 4.625%
HK$41,722
+HK$2,089/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,266/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,047 · 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).