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$18,784
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,368
−HK$594/mo
Today · 4.125%
HK$19,962
baseline
▲ 0.50% · 4.625%
HK$21,176
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,924/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,897
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,457
−HK$569/mo
Today · 4.125%
HK$22,026
baseline
▲ 0.50% · 4.625%
HK$23,187
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,052/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,540
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,241
−HK$713/mo
Today · 4.125%
HK$23,954
baseline
▲ 0.50% · 4.625%
HK$25,411
+HK$1,457/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$47,908/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,076
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,748
−HK$683/mo
Today · 4.125%
HK$26,431
baseline
▲ 0.50% · 4.625%
HK$27,824
+HK$1,393/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$52,862/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,297
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,115
−HK$831/mo
Today · 4.125%
HK$27,946
baseline
▲ 0.50% · 4.625%
HK$29,647
+HK$1,701/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,892/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,255
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,040
−HK$796/mo
Today · 4.125%
HK$30,836
baseline
▲ 0.50% · 4.625%
HK$32,461
+HK$1,625/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,672/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,811
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,862
−HK$1,069/mo
Today · 4.125%
HK$35,931
baseline
▲ 0.50% · 4.625%
HK$38,117
+HK$2,186/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$71,862/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,614
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,623
−HK$1,023/mo
Today · 4.125%
HK$39,646
baseline
▲ 0.50% · 4.625%
HK$41,736
+HK$2,090/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$79,292/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,126 · 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).