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$18,830
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,416
−HK$595/mo
Today · 4.125%
HK$20,011
baseline
▲ 0.50% · 4.625%
HK$21,229
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,022/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,949
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,510
−HK$570/mo
Today · 4.125%
HK$22,080
baseline
▲ 0.50% · 4.625%
HK$23,244
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,160/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,596
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,299
−HK$714/mo
Today · 4.125%
HK$24,013
baseline
▲ 0.50% · 4.625%
HK$25,475
+HK$1,462/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,026/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,138
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,812
−HK$684/mo
Today · 4.125%
HK$26,496
baseline
▲ 0.50% · 4.625%
HK$27,893
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,992/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,362
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,183
−HK$833/mo
Today · 4.125%
HK$28,016
baseline
▲ 0.50% · 4.625%
HK$29,720
+HK$1,704/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,032/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,328
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,115
−HK$797/mo
Today · 4.125%
HK$30,912
baseline
▲ 0.50% · 4.625%
HK$32,542
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,824/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,895
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,949
−HK$1,071/mo
Today · 4.125%
HK$36,020
baseline
▲ 0.50% · 4.625%
HK$38,212
+HK$2,192/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,040/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,707
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,719
−HK$1,026/mo
Today · 4.125%
HK$39,745
baseline
▲ 0.50% · 4.625%
HK$41,840
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,490/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,740 · 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).