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$18,775
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,359
−HK$594/mo
Today · 4.125%
HK$19,953
baseline
▲ 0.50% · 4.625%
HK$21,167
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,906/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$247,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,887
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,448
−HK$568/mo
Today · 4.125%
HK$22,016
baseline
▲ 0.50% · 4.625%
HK$23,176
+HK$1,160/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,032/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$247,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,530
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,231
−HK$712/mo
Today · 4.125%
HK$23,943
baseline
▲ 0.50% · 4.625%
HK$25,400
+HK$1,457/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,886/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,065
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,737
−HK$682/mo
Today · 4.125%
HK$26,419
baseline
▲ 0.50% · 4.625%
HK$27,812
+HK$1,393/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,838/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,285
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,103
−HK$831/mo
Today · 4.125%
HK$27,934
baseline
▲ 0.50% · 4.625%
HK$29,634
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,868/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,242
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,027
−HK$795/mo
Today · 4.125%
HK$30,822
baseline
▲ 0.50% · 4.625%
HK$32,447
+HK$1,625/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,644/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,796
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,847
−HK$1,068/mo
Today · 4.125%
HK$35,915
baseline
▲ 0.50% · 4.625%
HK$38,100
+HK$2,185/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,830/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,597
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,606
−HK$1,023/mo
Today · 4.125%
HK$39,629
baseline
▲ 0.50% · 4.625%
HK$41,717
+HK$2,088/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,258/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,017 · 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).