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$18,795
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,379
−HK$594/mo
Today · 4.125%
HK$19,973
baseline
▲ 0.50% · 4.625%
HK$21,189
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,946/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,909
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,470
−HK$569/mo
Today · 4.125%
HK$22,039
baseline
▲ 0.50% · 4.625%
HK$23,200
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,078/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,554
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,255
−HK$713/mo
Today · 4.125%
HK$23,968
baseline
▲ 0.50% · 4.625%
HK$25,426
+HK$1,458/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,936/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,091
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,764
−HK$682/mo
Today · 4.125%
HK$26,446
baseline
▲ 0.50% · 4.625%
HK$27,840
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,892/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,313
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,131
−HK$832/mo
Today · 4.125%
HK$27,963
baseline
▲ 0.50% · 4.625%
HK$29,664
+HK$1,701/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,926/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,272
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,058
−HK$796/mo
Today · 4.125%
HK$30,854
baseline
▲ 0.50% · 4.625%
HK$32,480
+HK$1,626/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,708/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,830
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,883
−HK$1,069/mo
Today · 4.125%
HK$35,952
baseline
▲ 0.50% · 4.625%
HK$38,139
+HK$2,187/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,904/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,636
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,645
−HK$1,024/mo
Today · 4.125%
HK$39,669
baseline
▲ 0.50% · 4.625%
HK$41,760
+HK$2,091/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,338/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,271 · 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).