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$18,772
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,356
−HK$593/mo
Today · 4.125%
HK$19,949
baseline
▲ 0.50% · 4.625%
HK$21,163
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,898/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,884
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,444
−HK$568/mo
Today · 4.125%
HK$22,012
baseline
▲ 0.50% · 4.625%
HK$23,173
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,024/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,527
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,227
−HK$712/mo
Today · 4.125%
HK$23,939
baseline
▲ 0.50% · 4.625%
HK$25,396
+HK$1,457/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,878/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,061
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,733
−HK$682/mo
Today · 4.125%
HK$26,415
baseline
▲ 0.50% · 4.625%
HK$27,807
+HK$1,392/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,830/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,281
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,099
−HK$830/mo
Today · 4.125%
HK$27,929
baseline
▲ 0.50% · 4.625%
HK$29,629
+HK$1,700/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,858/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,238
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,022
−HK$795/mo
Today · 4.125%
HK$30,817
baseline
▲ 0.50% · 4.625%
HK$32,442
+HK$1,625/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,634/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,790
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,841
−HK$1,068/mo
Today · 4.125%
HK$35,909
baseline
▲ 0.50% · 4.625%
HK$38,094
+HK$2,185/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,818/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,591
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,599
−HK$1,023/mo
Today · 4.125%
HK$39,622
baseline
▲ 0.50% · 4.625%
HK$41,711
+HK$2,089/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,244/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,977 · 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).