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$18,790
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,375
−HK$593/mo
Today · 4.125%
HK$19,968
baseline
▲ 0.50% · 4.625%
HK$21,184
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,936/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,904
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,465
−HK$568/mo
Today · 4.125%
HK$22,033
baseline
▲ 0.50% · 4.625%
HK$23,195
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,066/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,548
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,250
−HK$712/mo
Today · 4.125%
HK$23,962
baseline
▲ 0.50% · 4.625%
HK$25,420
+HK$1,458/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$47,924/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,085
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,757
−HK$683/mo
Today · 4.125%
HK$26,440
baseline
▲ 0.50% · 4.625%
HK$27,834
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$52,880/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,306
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,125
−HK$831/mo
Today · 4.125%
HK$27,956
baseline
▲ 0.50% · 4.625%
HK$29,657
+HK$1,701/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,912/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,265
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,050
−HK$797/mo
Today · 4.125%
HK$30,847
baseline
▲ 0.50% · 4.625%
HK$32,473
+HK$1,626/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,694/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,822
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,874
−HK$1,069/mo
Today · 4.125%
HK$35,943
baseline
▲ 0.50% · 4.625%
HK$38,130
+HK$2,187/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,886/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,627
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,636
−HK$1,024/mo
Today · 4.125%
HK$39,660
baseline
▲ 0.50% · 4.625%
HK$41,750
+HK$2,090/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,320/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,212 · 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).