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$18,823
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,409
−HK$595/mo
Today · 4.125%
HK$20,004
baseline
▲ 0.50% · 4.625%
HK$21,221
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,008/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,941
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,502
−HK$570/mo
Today · 4.125%
HK$22,072
baseline
▲ 0.50% · 4.625%
HK$23,235
+HK$1,163/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,144/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,588
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,290
−HK$714/mo
Today · 4.125%
HK$24,004
baseline
▲ 0.50% · 4.625%
HK$25,465
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,008/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,129
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,803
−HK$683/mo
Today · 4.125%
HK$26,486
baseline
▲ 0.50% · 4.625%
HK$27,883
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,972/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,353
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,172
−HK$833/mo
Today · 4.125%
HK$28,005
baseline
▲ 0.50% · 4.625%
HK$29,709
+HK$1,704/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,010/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,317
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,103
−HK$798/mo
Today · 4.125%
HK$30,901
baseline
▲ 0.50% · 4.625%
HK$32,530
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,802/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,882
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,936
−HK$1,070/mo
Today · 4.125%
HK$36,006
baseline
▲ 0.50% · 4.625%
HK$38,197
+HK$2,191/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$72,012/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,693
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,704
−HK$1,026/mo
Today · 4.125%
HK$39,730
baseline
▲ 0.50% · 4.625%
HK$41,824
+HK$2,094/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$79,460/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,647 · 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).