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$18,785
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,369
−HK$594/mo
Today · 4.125%
HK$19,963
baseline
▲ 0.50% · 4.625%
HK$21,177
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,926/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,898
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,458
−HK$569/mo
Today · 4.125%
HK$22,027
baseline
▲ 0.50% · 4.625%
HK$23,188
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,054/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,542
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,243
−HK$712/mo
Today · 4.125%
HK$23,955
baseline
▲ 0.50% · 4.625%
HK$25,413
+HK$1,458/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$47,910/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,077
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,750
−HK$682/mo
Today · 4.125%
HK$26,432
baseline
▲ 0.50% · 4.625%
HK$27,826
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$52,864/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,299
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,117
−HK$831/mo
Today · 4.125%
HK$27,948
baseline
▲ 0.50% · 4.625%
HK$29,648
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,896/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,257
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,042
−HK$796/mo
Today · 4.125%
HK$30,838
baseline
▲ 0.50% · 4.625%
HK$32,463
+HK$1,625/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,676/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,813
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,864
−HK$1,069/mo
Today · 4.125%
HK$35,933
baseline
▲ 0.50% · 4.625%
HK$38,119
+HK$2,186/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$71,866/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,616
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,625
−HK$1,023/mo
Today · 4.125%
HK$39,648
baseline
▲ 0.50% · 4.625%
HK$41,738
+HK$2,090/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$79,296/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,140 · 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).