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$18,832
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,418
−HK$595/mo
Today · 4.125%
HK$20,013
baseline
▲ 0.50% · 4.625%
HK$21,230
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,026/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,950
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,512
−HK$570/mo
Today · 4.125%
HK$22,082
baseline
▲ 0.50% · 4.625%
HK$23,246
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,164/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,598
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,301
−HK$714/mo
Today · 4.125%
HK$24,015
baseline
▲ 0.50% · 4.625%
HK$25,477
+HK$1,462/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,030/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,140
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,815
−HK$684/mo
Today · 4.125%
HK$26,499
baseline
▲ 0.50% · 4.625%
HK$27,895
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$52,998/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,365
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,185
−HK$833/mo
Today · 4.125%
HK$28,018
baseline
▲ 0.50% · 4.625%
HK$29,723
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,036/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,330
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,117
−HK$798/mo
Today · 4.125%
HK$30,915
baseline
▲ 0.50% · 4.625%
HK$32,545
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,830/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,897
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,952
−HK$1,071/mo
Today · 4.125%
HK$36,023
baseline
▲ 0.50% · 4.625%
HK$38,215
+HK$2,192/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,046/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,710
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,722
−HK$1,026/mo
Today · 4.125%
HK$39,748
baseline
▲ 0.50% · 4.625%
HK$41,843
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,496/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,760 · 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).