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$18,813
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,398
−HK$595/mo
Today · 4.125%
HK$19,993
baseline
▲ 0.50% · 4.625%
HK$21,210
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$39,986/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,930
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,491
−HK$569/mo
Today · 4.125%
HK$22,060
baseline
▲ 0.50% · 4.625%
HK$23,223
+HK$1,163/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,120/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,576
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,278
−HK$714/mo
Today · 4.125%
HK$23,992
baseline
▲ 0.50% · 4.625%
HK$25,451
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,984/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,115
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,789
−HK$683/mo
Today · 4.125%
HK$26,472
baseline
▲ 0.50% · 4.625%
HK$27,868
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,944/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,339
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,158
−HK$832/mo
Today · 4.125%
HK$27,990
baseline
▲ 0.50% · 4.625%
HK$29,693
+HK$1,703/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$55,980/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,301
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,087
−HK$797/mo
Today · 4.125%
HK$30,884
baseline
▲ 0.50% · 4.625%
HK$32,512
+HK$1,628/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,768/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,864
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,917
−HK$1,070/mo
Today · 4.125%
HK$35,987
baseline
▲ 0.50% · 4.625%
HK$38,177
+HK$2,190/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$71,974/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,673
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,684
−HK$1,025/mo
Today · 4.125%
HK$39,709
baseline
▲ 0.50% · 4.625%
HK$41,802
+HK$2,093/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$79,418/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,515 · 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).