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$18,817
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,402
−HK$595/mo
Today · 4.125%
HK$19,997
baseline
▲ 0.50% · 4.625%
HK$21,214
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$39,994/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,934
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,495
−HK$570/mo
Today · 4.125%
HK$22,065
baseline
▲ 0.50% · 4.625%
HK$23,228
+HK$1,163/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,130/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,580
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,283
−HK$713/mo
Today · 4.125%
HK$23,996
baseline
▲ 0.50% · 4.625%
HK$25,456
+HK$1,460/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,992/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,120
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,794
−HK$683/mo
Today · 4.125%
HK$26,477
baseline
▲ 0.50% · 4.625%
HK$27,873
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,954/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,344
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,163
−HK$833/mo
Today · 4.125%
HK$27,996
baseline
▲ 0.50% · 4.625%
HK$29,699
+HK$1,703/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$55,992/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,307
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,093
−HK$797/mo
Today · 4.125%
HK$30,890
baseline
▲ 0.50% · 4.625%
HK$32,519
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,780/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,870
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,924
−HK$1,070/mo
Today · 4.125%
HK$35,994
baseline
▲ 0.50% · 4.625%
HK$38,184
+HK$2,190/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$71,988/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,680
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,691
−HK$1,025/mo
Today · 4.125%
HK$39,716
baseline
▲ 0.50% · 4.625%
HK$41,810
+HK$2,094/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$79,432/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,563 · 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).