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$18,819
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,404
−HK$595/mo
Today · 4.125%
HK$19,999
baseline
▲ 0.50% · 4.625%
HK$21,216
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$39,998/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,936
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,497
−HK$570/mo
Today · 4.125%
HK$22,067
baseline
▲ 0.50% · 4.625%
HK$23,230
+HK$1,163/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,134/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,582
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,285
−HK$714/mo
Today · 4.125%
HK$23,999
baseline
▲ 0.50% · 4.625%
HK$25,459
+HK$1,460/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,998/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,123
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,796
−HK$684/mo
Today · 4.125%
HK$26,480
baseline
▲ 0.50% · 4.625%
HK$27,876
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,960/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,346
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,166
−HK$832/mo
Today · 4.125%
HK$27,998
baseline
▲ 0.50% · 4.625%
HK$29,702
+HK$1,704/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$55,996/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,310
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,096
−HK$797/mo
Today · 4.125%
HK$30,893
baseline
▲ 0.50% · 4.625%
HK$32,522
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,786/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,874
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,927
−HK$1,071/mo
Today · 4.125%
HK$35,998
baseline
▲ 0.50% · 4.625%
HK$38,188
+HK$2,190/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$71,996/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,684
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,695
−HK$1,025/mo
Today · 4.125%
HK$39,720
baseline
▲ 0.50% · 4.625%
HK$41,814
+HK$2,094/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$79,440/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,587 · 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).