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$18,835
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,421
−HK$596/mo
Today · 4.125%
HK$20,017
baseline
▲ 0.50% · 4.625%
HK$21,234
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,034/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,954
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,516
−HK$570/mo
Today · 4.125%
HK$22,086
baseline
▲ 0.50% · 4.625%
HK$23,250
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,172/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,602
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,306
−HK$714/mo
Today · 4.125%
HK$24,020
baseline
▲ 0.50% · 4.625%
HK$25,481
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,040/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,145
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,819
−HK$685/mo
Today · 4.125%
HK$26,504
baseline
▲ 0.50% · 4.625%
HK$27,901
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$53,008/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,370
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,190
−HK$833/mo
Today · 4.125%
HK$28,023
baseline
▲ 0.50% · 4.625%
HK$29,728
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,046/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,336
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,123
−HK$798/mo
Today · 4.125%
HK$30,921
baseline
▲ 0.50% · 4.625%
HK$32,551
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,842/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,904
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,958
−HK$1,072/mo
Today · 4.125%
HK$36,030
baseline
▲ 0.50% · 4.625%
HK$38,222
+HK$2,192/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,060/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,718
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,729
−HK$1,026/mo
Today · 4.125%
HK$39,755
baseline
▲ 0.50% · 4.625%
HK$41,851
+HK$2,096/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,510/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,807 · 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).