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$18,840
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,426
−HK$595/mo
Today · 4.125%
HK$20,021
baseline
▲ 0.50% · 4.625%
HK$21,240
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,042/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,959
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,521
−HK$571/mo
Today · 4.125%
HK$22,092
baseline
▲ 0.50% · 4.625%
HK$23,256
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,184/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,608
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,311
−HK$715/mo
Today · 4.125%
HK$24,026
baseline
▲ 0.50% · 4.625%
HK$25,487
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,052/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,151
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,826
−HK$684/mo
Today · 4.125%
HK$26,510
baseline
▲ 0.50% · 4.625%
HK$27,907
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$53,020/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,376
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,196
−HK$834/mo
Today · 4.125%
HK$28,030
baseline
▲ 0.50% · 4.625%
HK$29,735
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,060/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,343
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,130
−HK$798/mo
Today · 4.125%
HK$30,928
baseline
▲ 0.50% · 4.625%
HK$32,558
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,856/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,912
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,967
−HK$1,071/mo
Today · 4.125%
HK$36,038
baseline
▲ 0.50% · 4.625%
HK$38,231
+HK$2,193/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$72,076/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,727
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,738
−HK$1,027/mo
Today · 4.125%
HK$39,765
baseline
▲ 0.50% · 4.625%
HK$41,861
+HK$2,096/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$79,530/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,866 · 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).