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$18,848
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,434
−HK$596/mo
Today · 4.125%
HK$20,030
baseline
▲ 0.50% · 4.625%
HK$21,249
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,060/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,968
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,531
−HK$570/mo
Today · 4.125%
HK$22,101
baseline
▲ 0.50% · 4.625%
HK$23,266
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,202/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,618
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,321
−HK$715/mo
Today · 4.125%
HK$24,036
baseline
▲ 0.50% · 4.625%
HK$25,499
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,072/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,162
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,837
−HK$684/mo
Today · 4.125%
HK$26,521
baseline
▲ 0.50% · 4.625%
HK$27,919
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,042/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,387
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,208
−HK$834/mo
Today · 4.125%
HK$28,042
baseline
▲ 0.50% · 4.625%
HK$29,748
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,084/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,356
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,143
−HK$799/mo
Today · 4.125%
HK$30,942
baseline
▲ 0.50% · 4.625%
HK$32,573
+HK$1,631/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,884/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,927
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,982
−HK$1,072/mo
Today · 4.125%
HK$36,054
baseline
▲ 0.50% · 4.625%
HK$38,248
+HK$2,194/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,108/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,743
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,755
−HK$1,027/mo
Today · 4.125%
HK$39,782
baseline
▲ 0.50% · 4.625%
HK$41,879
+HK$2,097/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,564/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,974 · 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).