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$18,845
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,431
−HK$596/mo
Today · 4.125%
HK$20,027
baseline
▲ 0.50% · 4.625%
HK$21,245
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,054/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,965
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,527
−HK$571/mo
Today · 4.125%
HK$22,098
baseline
▲ 0.50% · 4.625%
HK$23,262
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,196/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,614
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,317
−HK$715/mo
Today · 4.125%
HK$24,032
baseline
▲ 0.50% · 4.625%
HK$25,494
+HK$1,462/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,064/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,158
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,833
−HK$684/mo
Today · 4.125%
HK$26,517
baseline
▲ 0.50% · 4.625%
HK$27,915
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,034/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,383
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,204
−HK$834/mo
Today · 4.125%
HK$28,038
baseline
▲ 0.50% · 4.625%
HK$29,744
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,076/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,351
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,138
−HK$799/mo
Today · 4.125%
HK$30,937
baseline
▲ 0.50% · 4.625%
HK$32,567
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,874/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,921
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,976
−HK$1,072/mo
Today · 4.125%
HK$36,048
baseline
▲ 0.50% · 4.625%
HK$38,242
+HK$2,194/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$72,096/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,737
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,749
−HK$1,027/mo
Today · 4.125%
HK$39,776
baseline
▲ 0.50% · 4.625%
HK$41,872
+HK$2,096/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$79,552/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,934 · 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).