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$18,847
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,434
−HK$595/mo
Today · 4.125%
HK$20,029
baseline
▲ 0.50% · 4.625%
HK$21,248
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,058/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,967
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,530
−HK$570/mo
Today · 4.125%
HK$22,100
baseline
▲ 0.50% · 4.625%
HK$23,265
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,200/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,617
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,320
−HK$715/mo
Today · 4.125%
HK$24,035
baseline
▲ 0.50% · 4.625%
HK$25,498
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,070/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,161
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,836
−HK$684/mo
Today · 4.125%
HK$26,520
baseline
▲ 0.50% · 4.625%
HK$27,918
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,040/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,386
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,207
−HK$834/mo
Today · 4.125%
HK$28,041
baseline
▲ 0.50% · 4.625%
HK$29,747
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,082/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,354
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,142
−HK$798/mo
Today · 4.125%
HK$30,940
baseline
▲ 0.50% · 4.625%
HK$32,571
+HK$1,631/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,880/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,925
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,980
−HK$1,073/mo
Today · 4.125%
HK$36,053
baseline
▲ 0.50% · 4.625%
HK$38,246
+HK$2,193/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,106/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,741
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,754
−HK$1,026/mo
Today · 4.125%
HK$39,780
baseline
▲ 0.50% · 4.625%
HK$41,877
+HK$2,097/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,560/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,964 · 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).