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$18,787
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,371
−HK$594/mo
Today · 4.125%
HK$19,965
baseline
▲ 0.50% · 4.625%
HK$21,180
+HK$1,215/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,930/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,900
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,461
−HK$569/mo
Today · 4.125%
HK$22,030
baseline
▲ 0.50% · 4.625%
HK$23,191
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,060/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,544
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,246
−HK$712/mo
Today · 4.125%
HK$23,958
baseline
▲ 0.50% · 4.625%
HK$25,416
+HK$1,458/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$47,916/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,080
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,753
−HK$682/mo
Today · 4.125%
HK$26,435
baseline
▲ 0.50% · 4.625%
HK$27,829
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$52,870/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,302
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,120
−HK$831/mo
Today · 4.125%
HK$27,951
baseline
▲ 0.50% · 4.625%
HK$29,652
+HK$1,701/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,902/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,260
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,045
−HK$796/mo
Today · 4.125%
HK$30,841
baseline
▲ 0.50% · 4.625%
HK$32,467
+HK$1,626/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,682/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,817
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,868
−HK$1,069/mo
Today · 4.125%
HK$35,937
baseline
▲ 0.50% · 4.625%
HK$38,124
+HK$2,187/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,874/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,621
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,630
−HK$1,023/mo
Today · 4.125%
HK$39,653
baseline
▲ 0.50% · 4.625%
HK$41,743
+HK$2,090/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,306/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,170 · 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).