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$18,801
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,386
−HK$594/mo
Today · 4.125%
HK$19,980
baseline
▲ 0.50% · 4.625%
HK$21,196
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,960/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,916
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,477
−HK$569/mo
Today · 4.125%
HK$22,046
baseline
▲ 0.50% · 4.625%
HK$23,209
+HK$1,163/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,092/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,562
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,263
−HK$713/mo
Today · 4.125%
HK$23,976
baseline
▲ 0.50% · 4.625%
HK$25,435
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,952/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,100
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,773
−HK$683/mo
Today · 4.125%
HK$26,456
baseline
▲ 0.50% · 4.625%
HK$27,850
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,912/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,322
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,141
−HK$832/mo
Today · 4.125%
HK$27,973
baseline
▲ 0.50% · 4.625%
HK$29,675
+HK$1,702/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,946/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,283
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,068
−HK$797/mo
Today · 4.125%
HK$30,865
baseline
▲ 0.50% · 4.625%
HK$32,492
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,730/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,843
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,895
−HK$1,070/mo
Today · 4.125%
HK$35,965
baseline
▲ 0.50% · 4.625%
HK$38,153
+HK$2,188/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$71,930/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,649
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,659
−HK$1,025/mo
Today · 4.125%
HK$39,684
baseline
▲ 0.50% · 4.625%
HK$41,775
+HK$2,091/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$79,368/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,359 · 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).