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$18,774
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,358
−HK$594/mo
Today · 4.125%
HK$19,952
baseline
▲ 0.50% · 4.625%
HK$21,166
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,904/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$247,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,886
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,447
−HK$568/mo
Today · 4.125%
HK$22,015
baseline
▲ 0.50% · 4.625%
HK$23,175
+HK$1,160/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,030/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$247,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,529
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,230
−HK$712/mo
Today · 4.125%
HK$23,942
baseline
▲ 0.50% · 4.625%
HK$25,399
+HK$1,457/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,884/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,064
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,736
−HK$682/mo
Today · 4.125%
HK$26,418
baseline
▲ 0.50% · 4.625%
HK$27,810
+HK$1,392/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,836/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,284
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,102
−HK$830/mo
Today · 4.125%
HK$27,932
baseline
▲ 0.50% · 4.625%
HK$29,632
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,864/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,241
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,025
−HK$796/mo
Today · 4.125%
HK$30,821
baseline
▲ 0.50% · 4.625%
HK$32,445
+HK$1,624/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,642/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,794
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,845
−HK$1,068/mo
Today · 4.125%
HK$35,913
baseline
▲ 0.50% · 4.625%
HK$38,098
+HK$2,185/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,826/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,595
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,604
−HK$1,023/mo
Today · 4.125%
HK$39,627
baseline
▲ 0.50% · 4.625%
HK$41,715
+HK$2,088/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,254/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,005 · 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).