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$18,812
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,398
−HK$594/mo
Today · 4.125%
HK$19,992
baseline
▲ 0.50% · 4.625%
HK$21,209
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$39,984/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,929
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,490
−HK$569/mo
Today · 4.125%
HK$22,059
baseline
▲ 0.50% · 4.625%
HK$23,222
+HK$1,163/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,118/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,575
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,277
−HK$714/mo
Today · 4.125%
HK$23,991
baseline
▲ 0.50% · 4.625%
HK$25,450
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,982/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,114
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,788
−HK$683/mo
Today · 4.125%
HK$26,471
baseline
▲ 0.50% · 4.625%
HK$27,867
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,942/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,337
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,157
−HK$832/mo
Today · 4.125%
HK$27,989
baseline
▲ 0.50% · 4.625%
HK$29,692
+HK$1,703/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$55,978/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,300
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,086
−HK$797/mo
Today · 4.125%
HK$30,883
baseline
▲ 0.50% · 4.625%
HK$32,511
+HK$1,628/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,766/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,862
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,916
−HK$1,070/mo
Today · 4.125%
HK$35,986
baseline
▲ 0.50% · 4.625%
HK$38,175
+HK$2,189/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$71,972/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,672
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,682
−HK$1,025/mo
Today · 4.125%
HK$39,707
baseline
▲ 0.50% · 4.625%
HK$41,800
+HK$2,093/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$79,414/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,504 · 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).