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$18,807
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,392
−HK$594/mo
Today · 4.125%
HK$19,986
baseline
▲ 0.50% · 4.625%
HK$21,202
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,972/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,922
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,483
−HK$570/mo
Today · 4.125%
HK$22,053
baseline
▲ 0.50% · 4.625%
HK$23,215
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,106/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,568
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,270
−HK$713/mo
Today · 4.125%
HK$23,983
baseline
▲ 0.50% · 4.625%
HK$25,443
+HK$1,460/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,966/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,107
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,780
−HK$683/mo
Today · 4.125%
HK$26,463
baseline
▲ 0.50% · 4.625%
HK$27,858
+HK$1,395/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,926/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,329
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,148
−HK$833/mo
Today · 4.125%
HK$27,981
baseline
▲ 0.50% · 4.625%
HK$29,683
+HK$1,702/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,962/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,291
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,077
−HK$797/mo
Today · 4.125%
HK$30,874
baseline
▲ 0.50% · 4.625%
HK$32,501
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,748/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,852
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,905
−HK$1,070/mo
Today · 4.125%
HK$35,975
baseline
▲ 0.50% · 4.625%
HK$38,164
+HK$2,189/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$71,950/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,660
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,670
−HK$1,025/mo
Today · 4.125%
HK$39,695
baseline
▲ 0.50% · 4.625%
HK$41,787
+HK$2,092/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$79,390/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,430 · 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).