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$18,840
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,426
−HK$596/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$247,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,960
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,522
−HK$570/mo
Today · 4.125%
HK$22,092
baseline
▲ 0.50% · 4.625%
HK$23,256
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,184/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,608
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,312
−HK$714/mo
Today · 4.125%
HK$24,026
baseline
▲ 0.50% · 4.625%
HK$25,488
+HK$1,462/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,052/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,151
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,826
−HK$684/mo
Today · 4.125%
HK$26,510
baseline
▲ 0.50% · 4.625%
HK$27,908
+HK$1,398/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$53,020/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,376
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,197
−HK$833/mo
Today · 4.125%
HK$28,030
baseline
▲ 0.50% · 4.625%
HK$29,736
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,060/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,343
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,130
−HK$799/mo
Today · 4.125%
HK$30,929
baseline
▲ 0.50% · 4.625%
HK$32,559
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,858/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,912
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,967
−HK$1,072/mo
Today · 4.125%
HK$36,039
baseline
▲ 0.50% · 4.625%
HK$38,232
+HK$2,193/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$72,078/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,727
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,739
−HK$1,026/mo
Today · 4.125%
HK$39,765
baseline
▲ 0.50% · 4.625%
HK$41,862
+HK$2,097/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$79,530/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,870 · 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).