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$18,839
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,425
−HK$596/mo
Today · 4.125%
HK$20,021
baseline
▲ 0.50% · 4.625%
HK$21,239
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,042/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,959
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,521
−HK$570/mo
Today · 4.125%
HK$22,091
baseline
▲ 0.50% · 4.625%
HK$23,255
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,182/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,607
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,310
−HK$715/mo
Today · 4.125%
HK$24,025
baseline
▲ 0.50% · 4.625%
HK$25,487
+HK$1,462/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,050/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,150
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,825
−HK$684/mo
Today · 4.125%
HK$26,509
baseline
▲ 0.50% · 4.625%
HK$27,906
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$53,018/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,375
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,195
−HK$834/mo
Today · 4.125%
HK$28,029
baseline
▲ 0.50% · 4.625%
HK$29,734
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,058/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,342
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,129
−HK$798/mo
Today · 4.125%
HK$30,927
baseline
▲ 0.50% · 4.625%
HK$32,557
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,854/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,911
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,966
−HK$1,071/mo
Today · 4.125%
HK$36,037
baseline
▲ 0.50% · 4.625%
HK$38,230
+HK$2,193/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$72,074/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,725
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,737
−HK$1,027/mo
Today · 4.125%
HK$39,764
baseline
▲ 0.50% · 4.625%
HK$41,860
+HK$2,096/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$79,528/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,858 · 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).