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$18,809
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,394
−HK$594/mo
Today · 4.125%
HK$19,988
baseline
▲ 0.50% · 4.625%
HK$21,204
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,976/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,924
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,486
−HK$569/mo
Today · 4.125%
HK$22,055
baseline
▲ 0.50% · 4.625%
HK$23,217
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,110/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,570
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,272
−HK$714/mo
Today · 4.125%
HK$23,986
baseline
▲ 0.50% · 4.625%
HK$25,445
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,972/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,109
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,783
−HK$683/mo
Today · 4.125%
HK$26,466
baseline
▲ 0.50% · 4.625%
HK$27,861
+HK$1,395/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,932/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,332
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,151
−HK$832/mo
Today · 4.125%
HK$27,983
baseline
▲ 0.50% · 4.625%
HK$29,686
+HK$1,703/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,966/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,294
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,080
−HK$797/mo
Today · 4.125%
HK$30,877
baseline
▲ 0.50% · 4.625%
HK$32,504
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,754/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,856
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,909
−HK$1,070/mo
Today · 4.125%
HK$35,979
baseline
▲ 0.50% · 4.625%
HK$38,168
+HK$2,189/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$71,958/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,664
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,674
−HK$1,025/mo
Today · 4.125%
HK$39,699
baseline
▲ 0.50% · 4.625%
HK$41,791
+HK$2,092/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$79,398/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,455 · 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).