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$18,820
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,405
−HK$595/mo
Today · 4.125%
HK$20,000
baseline
▲ 0.50% · 4.625%
HK$21,217
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,000/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,937
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,498
−HK$570/mo
Today · 4.125%
HK$22,068
baseline
▲ 0.50% · 4.625%
HK$23,231
+HK$1,163/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,136/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,584
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,286
−HK$714/mo
Today · 4.125%
HK$24,000
baseline
▲ 0.50% · 4.625%
HK$25,460
+HK$1,460/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,000/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,124
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,798
−HK$684/mo
Today · 4.125%
HK$26,482
baseline
▲ 0.50% · 4.625%
HK$27,878
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,964/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,348
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,167
−HK$833/mo
Today · 4.125%
HK$28,000
baseline
▲ 0.50% · 4.625%
HK$29,704
+HK$1,704/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,000/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,312
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,098
−HK$797/mo
Today · 4.125%
HK$30,895
baseline
▲ 0.50% · 4.625%
HK$32,524
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,790/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,876
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,930
−HK$1,070/mo
Today · 4.125%
HK$36,000
baseline
▲ 0.50% · 4.625%
HK$38,191
+HK$2,191/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$72,000/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,687
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,697
−HK$1,026/mo
Today · 4.125%
HK$39,723
baseline
▲ 0.50% · 4.625%
HK$41,816
+HK$2,093/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$79,446/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,603 · 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).