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$18,798
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,383
−HK$594/mo
Today · 4.125%
HK$19,977
baseline
▲ 0.50% · 4.625%
HK$21,192
+HK$1,215/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,954/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,913
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,474
−HK$569/mo
Today · 4.125%
HK$22,043
baseline
▲ 0.50% · 4.625%
HK$23,204
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,086/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,558
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,259
−HK$713/mo
Today · 4.125%
HK$23,972
baseline
▲ 0.50% · 4.625%
HK$25,431
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,944/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,095
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,768
−HK$683/mo
Today · 4.125%
HK$26,451
baseline
▲ 0.50% · 4.625%
HK$27,845
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,902/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,317
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,136
−HK$832/mo
Today · 4.125%
HK$27,968
baseline
▲ 0.50% · 4.625%
HK$29,669
+HK$1,701/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,936/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,278
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,063
−HK$797/mo
Today · 4.125%
HK$30,860
baseline
▲ 0.50% · 4.625%
HK$32,486
+HK$1,626/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,720/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,837
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,889
−HK$1,070/mo
Today · 4.125%
HK$35,959
baseline
▲ 0.50% · 4.625%
HK$38,146
+HK$2,187/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,918/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,643
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,652
−HK$1,025/mo
Today · 4.125%
HK$39,677
baseline
▲ 0.50% · 4.625%
HK$41,768
+HK$2,091/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,354/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,317 · 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).