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$18,779
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,363
−HK$594/mo
Today · 4.125%
HK$19,957
baseline
▲ 0.50% · 4.625%
HK$21,171
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,914/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$247,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,892
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,452
−HK$568/mo
Today · 4.125%
HK$22,020
baseline
▲ 0.50% · 4.625%
HK$23,181
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,040/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$247,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,535
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,236
−HK$712/mo
Today · 4.125%
HK$23,948
baseline
▲ 0.50% · 4.625%
HK$25,405
+HK$1,457/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,896/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,070
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,742
−HK$682/mo
Today · 4.125%
HK$26,424
baseline
▲ 0.50% · 4.625%
HK$27,817
+HK$1,393/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,848/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,291
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,109
−HK$831/mo
Today · 4.125%
HK$27,940
baseline
▲ 0.50% · 4.625%
HK$29,640
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,880/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,248
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,033
−HK$796/mo
Today · 4.125%
HK$30,829
baseline
▲ 0.50% · 4.625%
HK$32,454
+HK$1,625/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,658/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,803
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,854
−HK$1,068/mo
Today · 4.125%
HK$35,922
baseline
▲ 0.50% · 4.625%
HK$38,108
+HK$2,186/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$71,844/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,605
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,614
−HK$1,023/mo
Today · 4.125%
HK$39,637
baseline
▲ 0.50% · 4.625%
HK$41,726
+HK$2,089/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$79,274/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,068 · 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).