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$18,825
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,411
−HK$594/mo
Today · 4.125%
HK$20,005
baseline
▲ 0.50% · 4.625%
HK$21,223
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,010/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,943
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,504
−HK$570/mo
Today · 4.125%
HK$22,074
baseline
▲ 0.50% · 4.625%
HK$23,238
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,148/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,590
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,293
−HK$714/mo
Today · 4.125%
HK$24,007
baseline
▲ 0.50% · 4.625%
HK$25,467
+HK$1,460/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,014/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,131
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,805
−HK$684/mo
Today · 4.125%
HK$26,489
baseline
▲ 0.50% · 4.625%
HK$27,885
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,978/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,355
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,175
−HK$833/mo
Today · 4.125%
HK$28,008
baseline
▲ 0.50% · 4.625%
HK$29,712
+HK$1,704/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,016/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,320
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,106
−HK$798/mo
Today · 4.125%
HK$30,904
baseline
▲ 0.50% · 4.625%
HK$32,533
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,808/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,885
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,939
−HK$1,071/mo
Today · 4.125%
HK$36,010
baseline
▲ 0.50% · 4.625%
HK$38,201
+HK$2,191/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,020/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,697
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,708
−HK$1,025/mo
Today · 4.125%
HK$39,733
baseline
▲ 0.50% · 4.625%
HK$41,828
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,466/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,670 · 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).