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$18,781
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,365
−HK$594/mo
Today · 4.125%
HK$19,959
baseline
▲ 0.50% · 4.625%
HK$21,173
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,918/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,894
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,454
−HK$569/mo
Today · 4.125%
HK$22,023
baseline
▲ 0.50% · 4.625%
HK$23,183
+HK$1,160/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,046/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,537
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,238
−HK$713/mo
Today · 4.125%
HK$23,951
baseline
▲ 0.50% · 4.625%
HK$25,408
+HK$1,457/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,902/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,072
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,745
−HK$682/mo
Today · 4.125%
HK$26,427
baseline
▲ 0.50% · 4.625%
HK$27,820
+HK$1,393/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,854/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,293
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,111
−HK$831/mo
Today · 4.125%
HK$27,942
baseline
▲ 0.50% · 4.625%
HK$29,643
+HK$1,701/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,884/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,251
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,036
−HK$796/mo
Today · 4.125%
HK$30,832
baseline
▲ 0.50% · 4.625%
HK$32,457
+HK$1,625/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,664/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,806
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,857
−HK$1,069/mo
Today · 4.125%
HK$35,926
baseline
▲ 0.50% · 4.625%
HK$38,112
+HK$2,186/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$71,852/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,609
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,617
−HK$1,024/mo
Today · 4.125%
HK$39,641
baseline
▲ 0.50% · 4.625%
HK$41,730
+HK$2,089/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$79,282/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,092 · 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).