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$18,803
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,388
−HK$594/mo
Today · 4.125%
HK$19,982
baseline
▲ 0.50% · 4.625%
HK$21,198
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,964/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,919
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,480
−HK$569/mo
Today · 4.125%
HK$22,049
baseline
▲ 0.50% · 4.625%
HK$23,211
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,098/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,564
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,266
−HK$713/mo
Today · 4.125%
HK$23,979
baseline
▲ 0.50% · 4.625%
HK$25,438
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,958/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,102
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,775
−HK$683/mo
Today · 4.125%
HK$26,458
baseline
▲ 0.50% · 4.625%
HK$27,853
+HK$1,395/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,916/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,325
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,144
−HK$831/mo
Today · 4.125%
HK$27,975
baseline
▲ 0.50% · 4.625%
HK$29,678
+HK$1,703/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,950/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,286
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,071
−HK$797/mo
Today · 4.125%
HK$30,868
baseline
▲ 0.50% · 4.625%
HK$32,495
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,736/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,846
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,899
−HK$1,069/mo
Today · 4.125%
HK$35,968
baseline
▲ 0.50% · 4.625%
HK$38,157
+HK$2,189/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$71,936/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,653
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,663
−HK$1,025/mo
Today · 4.125%
HK$39,688
baseline
▲ 0.50% · 4.625%
HK$41,780
+HK$2,092/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$79,376/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,385 · 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).