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$18,804
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,389
−HK$594/mo
Today · 4.125%
HK$19,983
baseline
▲ 0.50% · 4.625%
HK$21,199
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,966/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,920
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,481
−HK$569/mo
Today · 4.125%
HK$22,050
baseline
▲ 0.50% · 4.625%
HK$23,212
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,100/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,565
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,267
−HK$713/mo
Today · 4.125%
HK$23,980
baseline
▲ 0.50% · 4.625%
HK$25,439
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,960/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,103
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,777
−HK$683/mo
Today · 4.125%
HK$26,460
baseline
▲ 0.50% · 4.625%
HK$27,854
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,920/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,326
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,145
−HK$832/mo
Today · 4.125%
HK$27,977
baseline
▲ 0.50% · 4.625%
HK$29,679
+HK$1,702/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,954/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,287
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,073
−HK$797/mo
Today · 4.125%
HK$30,870
baseline
▲ 0.50% · 4.625%
HK$32,497
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,740/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,848
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,900
−HK$1,070/mo
Today · 4.125%
HK$35,970
baseline
▲ 0.50% · 4.625%
HK$38,159
+HK$2,189/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$71,940/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,655
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,665
−HK$1,025/mo
Today · 4.125%
HK$39,690
baseline
▲ 0.50% · 4.625%
HK$41,782
+HK$2,092/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$79,380/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,397 · 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).