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$18,773
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,357
−HK$593/mo
Today · 4.125%
HK$19,950
baseline
▲ 0.50% · 4.625%
HK$21,164
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,900/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,884
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,444
−HK$569/mo
Today · 4.125%
HK$22,013
baseline
▲ 0.50% · 4.625%
HK$23,173
+HK$1,160/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,026/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,527
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,228
−HK$712/mo
Today · 4.125%
HK$23,940
baseline
▲ 0.50% · 4.625%
HK$25,396
+HK$1,456/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,880/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,061
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,733
−HK$682/mo
Today · 4.125%
HK$26,415
baseline
▲ 0.50% · 4.625%
HK$27,808
+HK$1,393/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,830/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,282
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,099
−HK$831/mo
Today · 4.125%
HK$27,930
baseline
▲ 0.50% · 4.625%
HK$29,629
+HK$1,699/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,860/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,238
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,022
−HK$796/mo
Today · 4.125%
HK$30,818
baseline
▲ 0.50% · 4.625%
HK$32,442
+HK$1,624/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,636/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,791
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,842
−HK$1,068/mo
Today · 4.125%
HK$35,910
baseline
▲ 0.50% · 4.625%
HK$38,095
+HK$2,185/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,820/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,592
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,600
−HK$1,023/mo
Today · 4.125%
HK$39,623
baseline
▲ 0.50% · 4.625%
HK$41,711
+HK$2,088/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,246/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,980 · 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).