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$18,801
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,385
−HK$594/mo
Today · 4.125%
HK$19,979
baseline
▲ 0.50% · 4.625%
HK$21,195
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,958/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,915
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,476
−HK$569/mo
Today · 4.125%
HK$22,045
baseline
▲ 0.50% · 4.625%
HK$23,207
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,090/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,561
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,262
−HK$713/mo
Today · 4.125%
HK$23,975
baseline
▲ 0.50% · 4.625%
HK$25,434
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,950/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,098
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,772
−HK$682/mo
Today · 4.125%
HK$26,454
baseline
▲ 0.50% · 4.625%
HK$27,849
+HK$1,395/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,908/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,321
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,139
−HK$832/mo
Today · 4.125%
HK$27,971
baseline
▲ 0.50% · 4.625%
HK$29,673
+HK$1,702/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,942/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,282
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,067
−HK$797/mo
Today · 4.125%
HK$30,864
baseline
▲ 0.50% · 4.625%
HK$32,490
+HK$1,626/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,728/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,841
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,894
−HK$1,069/mo
Today · 4.125%
HK$35,963
baseline
▲ 0.50% · 4.625%
HK$38,151
+HK$2,188/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,926/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,648
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,657
−HK$1,025/mo
Today · 4.125%
HK$39,682
baseline
▲ 0.50% · 4.625%
HK$41,773
+HK$2,091/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,364/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,348 · 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).