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$18,824
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,410
−HK$595/mo
Today · 4.125%
HK$20,005
baseline
▲ 0.50% · 4.625%
HK$21,222
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,010/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,942
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,504
−HK$569/mo
Today · 4.125%
HK$22,073
baseline
▲ 0.50% · 4.625%
HK$23,237
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,146/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,589
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,292
−HK$714/mo
Today · 4.125%
HK$24,006
baseline
▲ 0.50% · 4.625%
HK$25,467
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,012/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,130
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,804
−HK$684/mo
Today · 4.125%
HK$26,488
baseline
▲ 0.50% · 4.625%
HK$27,884
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,976/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,354
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,174
−HK$833/mo
Today · 4.125%
HK$28,007
baseline
▲ 0.50% · 4.625%
HK$29,711
+HK$1,704/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,014/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,319
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,105
−HK$798/mo
Today · 4.125%
HK$30,903
baseline
▲ 0.50% · 4.625%
HK$32,532
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,806/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,884
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,938
−HK$1,071/mo
Today · 4.125%
HK$36,009
baseline
▲ 0.50% · 4.625%
HK$38,200
+HK$2,191/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,018/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,696
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,707
−HK$1,025/mo
Today · 4.125%
HK$39,732
baseline
▲ 0.50% · 4.625%
HK$41,827
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,464/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,663 · 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).