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$18,829
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,415
−HK$595/mo
Today · 4.125%
HK$20,010
baseline
▲ 0.50% · 4.625%
HK$21,228
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,020/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,948
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,509
−HK$570/mo
Today · 4.125%
HK$22,079
baseline
▲ 0.50% · 4.625%
HK$23,243
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,158/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,595
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,298
−HK$714/mo
Today · 4.125%
HK$24,012
baseline
▲ 0.50% · 4.625%
HK$25,473
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,024/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,137
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,811
−HK$684/mo
Today · 4.125%
HK$26,495
baseline
▲ 0.50% · 4.625%
HK$27,892
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,990/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,361
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,181
−HK$833/mo
Today · 4.125%
HK$28,014
baseline
▲ 0.50% · 4.625%
HK$29,719
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,028/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,327
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,113
−HK$798/mo
Today · 4.125%
HK$30,911
baseline
▲ 0.50% · 4.625%
HK$32,540
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,822/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,893
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,947
−HK$1,071/mo
Today · 4.125%
HK$36,018
baseline
▲ 0.50% · 4.625%
HK$38,210
+HK$2,192/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,036/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,706
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,717
−HK$1,026/mo
Today · 4.125%
HK$39,743
baseline
▲ 0.50% · 4.625%
HK$41,838
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,486/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,728 · 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).