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$18,783
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,367
−HK$594/mo
Today · 4.125%
HK$19,961
baseline
▲ 0.50% · 4.625%
HK$21,175
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,922/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,896
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,456
−HK$569/mo
Today · 4.125%
HK$22,025
baseline
▲ 0.50% · 4.625%
HK$23,186
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,050/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,539
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,240
−HK$713/mo
Today · 4.125%
HK$23,953
baseline
▲ 0.50% · 4.625%
HK$25,410
+HK$1,457/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,906/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,075
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,747
−HK$683/mo
Today · 4.125%
HK$26,430
baseline
▲ 0.50% · 4.625%
HK$27,823
+HK$1,393/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,860/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,296
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,114
−HK$831/mo
Today · 4.125%
HK$27,945
baseline
▲ 0.50% · 4.625%
HK$29,645
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,890/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,254
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,039
−HK$795/mo
Today · 4.125%
HK$30,834
baseline
▲ 0.50% · 4.625%
HK$32,460
+HK$1,626/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,668/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,809
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,861
−HK$1,068/mo
Today · 4.125%
HK$35,929
baseline
▲ 0.50% · 4.625%
HK$38,115
+HK$2,186/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$71,858/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,612
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,621
−HK$1,023/mo
Today · 4.125%
HK$39,644
baseline
▲ 0.50% · 4.625%
HK$41,734
+HK$2,090/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$79,288/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,115 · 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).