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$18,837
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,423
−HK$595/mo
Today · 4.125%
HK$20,018
baseline
▲ 0.50% · 4.625%
HK$21,236
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,036/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,956
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,518
−HK$570/mo
Today · 4.125%
HK$22,088
baseline
▲ 0.50% · 4.625%
HK$23,252
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,176/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,604
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,307
−HK$715/mo
Today · 4.125%
HK$24,022
baseline
▲ 0.50% · 4.625%
HK$25,483
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,044/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,147
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,822
−HK$684/mo
Today · 4.125%
HK$26,506
baseline
▲ 0.50% · 4.625%
HK$27,903
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$53,012/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,372
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,192
−HK$833/mo
Today · 4.125%
HK$28,025
baseline
▲ 0.50% · 4.625%
HK$29,731
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,050/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,338
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,125
−HK$798/mo
Today · 4.125%
HK$30,923
baseline
▲ 0.50% · 4.625%
HK$32,553
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,846/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,907
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,961
−HK$1,072/mo
Today · 4.125%
HK$36,033
baseline
▲ 0.50% · 4.625%
HK$38,225
+HK$2,192/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,066/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,721
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,732
−HK$1,027/mo
Today · 4.125%
HK$39,759
baseline
▲ 0.50% · 4.625%
HK$41,854
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,518/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,827 · 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).