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$18,826
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,412
−HK$594/mo
Today · 4.125%
HK$20,006
baseline
▲ 0.50% · 4.625%
HK$21,224
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,012/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,944
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,505
−HK$570/mo
Today · 4.125%
HK$22,075
baseline
▲ 0.50% · 4.625%
HK$23,239
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,150/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,591
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,294
−HK$714/mo
Today · 4.125%
HK$24,008
baseline
▲ 0.50% · 4.625%
HK$25,469
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,016/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,132
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,806
−HK$684/mo
Today · 4.125%
HK$26,490
baseline
▲ 0.50% · 4.625%
HK$27,887
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,980/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,356
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,176
−HK$833/mo
Today · 4.125%
HK$28,009
baseline
▲ 0.50% · 4.625%
HK$29,713
+HK$1,704/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,018/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,321
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,107
−HK$798/mo
Today · 4.125%
HK$30,905
baseline
▲ 0.50% · 4.625%
HK$32,534
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,810/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,887
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,941
−HK$1,071/mo
Today · 4.125%
HK$36,012
baseline
▲ 0.50% · 4.625%
HK$38,203
+HK$2,191/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,024/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,699
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,710
−HK$1,025/mo
Today · 4.125%
HK$39,735
baseline
▲ 0.50% · 4.625%
HK$41,830
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,470/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,682 · 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).