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$18,847
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,433
−HK$595/mo
Today · 4.125%
HK$20,028
baseline
▲ 0.50% · 4.625%
HK$21,247
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,056/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,967
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,529
−HK$570/mo
Today · 4.125%
HK$22,099
baseline
▲ 0.50% · 4.625%
HK$23,264
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,198/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,616
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,319
−HK$715/mo
Today · 4.125%
HK$24,034
baseline
▲ 0.50% · 4.625%
HK$25,497
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,068/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,160
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,835
−HK$684/mo
Today · 4.125%
HK$26,519
baseline
▲ 0.50% · 4.625%
HK$27,917
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,038/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,385
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,206
−HK$834/mo
Today · 4.125%
HK$28,040
baseline
▲ 0.50% · 4.625%
HK$29,746
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,080/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,353
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,141
−HK$798/mo
Today · 4.125%
HK$30,939
baseline
▲ 0.50% · 4.625%
HK$32,570
+HK$1,631/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,878/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,924
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,979
−HK$1,072/mo
Today · 4.125%
HK$36,051
baseline
▲ 0.50% · 4.625%
HK$38,245
+HK$2,194/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,102/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,740
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,752
−HK$1,027/mo
Today · 4.125%
HK$39,779
baseline
▲ 0.50% · 4.625%
HK$41,876
+HK$2,097/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,558/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,954 · 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).