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$18,786
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,371
−HK$594/mo
Today · 4.125%
HK$19,965
baseline
▲ 0.50% · 4.625%
HK$21,179
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,930/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,900
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,460
−HK$569/mo
Today · 4.125%
HK$22,029
baseline
▲ 0.50% · 4.625%
HK$23,190
+HK$1,161/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,058/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,544
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,245
−HK$712/mo
Today · 4.125%
HK$23,957
baseline
▲ 0.50% · 4.625%
HK$25,415
+HK$1,458/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$47,914/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,080
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,752
−HK$683/mo
Today · 4.125%
HK$26,435
baseline
▲ 0.50% · 4.625%
HK$27,828
+HK$1,393/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$52,870/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,301
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,119
−HK$831/mo
Today · 4.125%
HK$27,950
baseline
▲ 0.50% · 4.625%
HK$29,651
+HK$1,701/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,900/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,260
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,044
−HK$796/mo
Today · 4.125%
HK$30,840
baseline
▲ 0.50% · 4.625%
HK$32,466
+HK$1,626/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,680/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,816
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,868
−HK$1,068/mo
Today · 4.125%
HK$35,936
baseline
▲ 0.50% · 4.625%
HK$38,123
+HK$2,187/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$71,872/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,620
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,629
−HK$1,023/mo
Today · 4.125%
HK$39,652
baseline
▲ 0.50% · 4.625%
HK$41,742
+HK$2,090/mo
Deposit HK$824K · loan HK$7.41M · min. income ≈ HK$79,304/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,163 · 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).