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$21,193
+HK$1,216/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$247,320 · 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$23,205
+HK$1,162/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$247,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,558
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,260
−HK$713/mo
Today · 4.125%
HK$23,973
baseline
▲ 0.50% · 4.625%
HK$25,431
+HK$1,458/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,946/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,096
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,769
−HK$683/mo
Today · 4.125%
HK$26,452
baseline
▲ 0.50% · 4.625%
HK$27,846
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,904/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,318
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,136
−HK$832/mo
Today · 4.125%
HK$27,968
baseline
▲ 0.50% · 4.625%
HK$29,670
+HK$1,702/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$247,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,278
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,064
−HK$796/mo
Today · 4.125%
HK$30,860
baseline
▲ 0.50% · 4.625%
HK$32,487
+HK$1,627/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$247,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,837
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,890
−HK$1,069/mo
Today · 4.125%
HK$35,959
baseline
▲ 0.50% · 4.625%
HK$38,147
+HK$2,188/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$247,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,644
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,653
−HK$1,024/mo
Today · 4.125%
HK$39,677
baseline
▲ 0.50% · 4.625%
HK$41,769
+HK$2,092/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$247,320 · 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).