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$18,815
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,400
−HK$595/mo
Today · 4.125%
HK$19,995
baseline
▲ 0.50% · 4.625%
HK$21,212
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$39,990/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,932
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,493
−HK$570/mo
Today · 4.125%
HK$22,063
baseline
▲ 0.50% · 4.625%
HK$23,225
+HK$1,162/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,126/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,578
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,280
−HK$714/mo
Today · 4.125%
HK$23,994
baseline
▲ 0.50% · 4.625%
HK$25,454
+HK$1,460/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,988/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,118
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,792
−HK$683/mo
Today · 4.125%
HK$26,475
baseline
▲ 0.50% · 4.625%
HK$27,871
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,950/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,341
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,161
−HK$832/mo
Today · 4.125%
HK$27,993
baseline
▲ 0.50% · 4.625%
HK$29,696
+HK$1,703/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$55,986/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,304
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,090
−HK$798/mo
Today · 4.125%
HK$30,888
baseline
▲ 0.50% · 4.625%
HK$32,516
+HK$1,628/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,776/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,867
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,921
−HK$1,070/mo
Today · 4.125%
HK$35,991
baseline
▲ 0.50% · 4.625%
HK$38,181
+HK$2,190/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$71,982/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,677
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,687
−HK$1,026/mo
Today · 4.125%
HK$39,713
baseline
▲ 0.50% · 4.625%
HK$41,806
+HK$2,093/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$79,426/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,540 · 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).