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$19,354
−HK$594/mo
Today · 4.125%
HK$19,948
baseline
▲ 0.50% · 4.625%
HK$21,161
+HK$1,213/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$246,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,882
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,442
−HK$568/mo
Today · 4.125%
HK$22,010
baseline
▲ 0.50% · 4.625%
HK$23,170
+HK$1,160/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,020/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,525
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,225
−HK$712/mo
Today · 4.125%
HK$23,937
baseline
▲ 0.50% · 4.625%
HK$25,394
+HK$1,457/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,874/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,058
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,730
−HK$682/mo
Today · 4.125%
HK$26,412
baseline
▲ 0.50% · 4.625%
HK$27,804
+HK$1,392/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,824/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,279
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,096
−HK$831/mo
Today · 4.125%
HK$27,927
baseline
▲ 0.50% · 4.625%
HK$29,626
+HK$1,699/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$246,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,235
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,019
−HK$795/mo
Today · 4.125%
HK$30,814
baseline
▲ 0.50% · 4.625%
HK$32,439
+HK$1,625/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,628/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,787
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,838
−HK$1,068/mo
Today · 4.125%
HK$35,906
baseline
▲ 0.50% · 4.625%
HK$38,090
+HK$2,184/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,812/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,588
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,596
−HK$1,022/mo
Today · 4.125%
HK$39,618
baseline
▲ 0.50% · 4.625%
HK$41,707
+HK$2,089/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,236/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,953 · 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).