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$18,794
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,378
−HK$594/mo
Today · 4.125%
HK$19,972
baseline
▲ 0.50% · 4.625%
HK$21,188
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,944/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,908
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,469
−HK$568/mo
Today · 4.125%
HK$22,037
baseline
▲ 0.50% · 4.625%
HK$23,199
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,074/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,552
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,254
−HK$713/mo
Today · 4.125%
HK$23,967
baseline
▲ 0.50% · 4.625%
HK$25,425
+HK$1,458/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,934/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,089
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,762
−HK$683/mo
Today · 4.125%
HK$26,445
baseline
▲ 0.50% · 4.625%
HK$27,839
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,890/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,311
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,130
−HK$831/mo
Today · 4.125%
HK$27,961
baseline
▲ 0.50% · 4.625%
HK$29,663
+HK$1,702/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,922/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,271
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,056
−HK$796/mo
Today · 4.125%
HK$30,852
baseline
▲ 0.50% · 4.625%
HK$32,479
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,704/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,829
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,881
−HK$1,069/mo
Today · 4.125%
HK$35,950
baseline
▲ 0.50% · 4.625%
HK$38,138
+HK$2,188/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,900/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,634
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,643
−HK$1,024/mo
Today · 4.125%
HK$39,667
baseline
▲ 0.50% · 4.625%
HK$41,758
+HK$2,091/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,334/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,258 · 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).