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$18,822
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,407
−HK$595/mo
Today · 4.125%
HK$20,002
baseline
▲ 0.50% · 4.625%
HK$21,219
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,004/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,939
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,501
−HK$570/mo
Today · 4.125%
HK$22,071
baseline
▲ 0.50% · 4.625%
HK$23,234
+HK$1,163/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,142/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,586
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,289
−HK$714/mo
Today · 4.125%
HK$24,003
baseline
▲ 0.50% · 4.625%
HK$25,463
+HK$1,460/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,006/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,127
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,801
−HK$684/mo
Today · 4.125%
HK$26,485
baseline
▲ 0.50% · 4.625%
HK$27,881
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,970/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,351
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,170
−HK$833/mo
Today · 4.125%
HK$28,003
baseline
▲ 0.50% · 4.625%
HK$29,707
+HK$1,704/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,006/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,315
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,101
−HK$798/mo
Today · 4.125%
HK$30,899
baseline
▲ 0.50% · 4.625%
HK$32,528
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,798/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,880
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,933
−HK$1,071/mo
Today · 4.125%
HK$36,004
baseline
▲ 0.50% · 4.625%
HK$38,195
+HK$2,191/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$72,008/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,691
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,702
−HK$1,025/mo
Today · 4.125%
HK$39,727
baseline
▲ 0.50% · 4.625%
HK$41,821
+HK$2,094/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$79,454/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,631 · 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).