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$18,793
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,378
−HK$594/mo
Today · 4.125%
HK$19,972
baseline
▲ 0.50% · 4.625%
HK$21,187
+HK$1,215/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,944/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,907
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,468
−HK$569/mo
Today · 4.125%
HK$22,037
baseline
▲ 0.50% · 4.625%
HK$23,199
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,074/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,552
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,253
−HK$713/mo
Today · 4.125%
HK$23,966
baseline
▲ 0.50% · 4.625%
HK$25,424
+HK$1,458/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,932/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,089
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,762
−HK$682/mo
Today · 4.125%
HK$26,444
baseline
▲ 0.50% · 4.625%
HK$27,838
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,888/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,311
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,129
−HK$832/mo
Today · 4.125%
HK$27,961
baseline
▲ 0.50% · 4.625%
HK$29,662
+HK$1,701/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,922/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,270
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,055
−HK$797/mo
Today · 4.125%
HK$30,852
baseline
▲ 0.50% · 4.625%
HK$32,478
+HK$1,626/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,704/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,828
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,880
−HK$1,069/mo
Today · 4.125%
HK$35,949
baseline
▲ 0.50% · 4.625%
HK$38,137
+HK$2,188/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,898/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,633
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,643
−HK$1,024/mo
Today · 4.125%
HK$39,667
baseline
▲ 0.50% · 4.625%
HK$41,757
+HK$2,090/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,334/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,253 · 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).