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$18,841
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,427
−HK$595/mo
Today · 4.125%
HK$20,022
baseline
▲ 0.50% · 4.625%
HK$21,240
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,044/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,960
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,522
−HK$571/mo
Today · 4.125%
HK$22,093
baseline
▲ 0.50% · 4.625%
HK$23,257
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,186/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,609
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,312
−HK$715/mo
Today · 4.125%
HK$24,027
baseline
▲ 0.50% · 4.625%
HK$25,489
+HK$1,462/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,054/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,152
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,827
−HK$684/mo
Today · 4.125%
HK$26,511
baseline
▲ 0.50% · 4.625%
HK$27,908
+HK$1,397/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,022/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,377
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,197
−HK$834/mo
Today · 4.125%
HK$28,031
baseline
▲ 0.50% · 4.625%
HK$29,737
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,062/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,344
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,131
−HK$799/mo
Today · 4.125%
HK$30,930
baseline
▲ 0.50% · 4.625%
HK$32,560
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,860/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,913
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,968
−HK$1,072/mo
Today · 4.125%
HK$36,040
baseline
▲ 0.50% · 4.625%
HK$38,233
+HK$2,193/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$72,080/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,728
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,740
−HK$1,027/mo
Today · 4.125%
HK$39,767
baseline
▲ 0.50% · 4.625%
HK$41,863
+HK$2,096/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$79,534/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,877 · 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).