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$18,771
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,355
−HK$593/mo
Today · 4.125%
HK$19,948
baseline
▲ 0.50% · 4.625%
HK$21,162
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,896/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,883
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,443
−HK$568/mo
Today · 4.125%
HK$22,011
baseline
▲ 0.50% · 4.625%
HK$23,171
+HK$1,160/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,022/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,525
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,226
−HK$712/mo
Today · 4.125%
HK$23,938
baseline
▲ 0.50% · 4.625%
HK$25,394
+HK$1,456/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,876/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,059
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,731
−HK$682/mo
Today · 4.125%
HK$26,413
baseline
▲ 0.50% · 4.625%
HK$27,805
+HK$1,392/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,826/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,279
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,097
−HK$830/mo
Today · 4.125%
HK$27,927
baseline
▲ 0.50% · 4.625%
HK$29,627
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,854/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,236
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,020
−HK$795/mo
Today · 4.125%
HK$30,815
baseline
▲ 0.50% · 4.625%
HK$32,439
+HK$1,624/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,630/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,788
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,839
−HK$1,068/mo
Today · 4.125%
HK$35,907
baseline
▲ 0.50% · 4.625%
HK$38,091
+HK$2,184/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,814/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,589
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,597
−HK$1,022/mo
Today · 4.125%
HK$39,619
baseline
▲ 0.50% · 4.625%
HK$41,708
+HK$2,089/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,238/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,959 · 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).