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$18,819
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,405
−HK$594/mo
Today · 4.125%
HK$19,999
baseline
▲ 0.50% · 4.625%
HK$21,216
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$39,998/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,936
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,498
−HK$569/mo
Today · 4.125%
HK$22,067
baseline
▲ 0.50% · 4.625%
HK$23,231
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,134/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,583
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,286
−HK$713/mo
Today · 4.125%
HK$23,999
baseline
▲ 0.50% · 4.625%
HK$25,460
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,998/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,124
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,797
−HK$684/mo
Today · 4.125%
HK$26,481
baseline
▲ 0.50% · 4.625%
HK$27,877
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,962/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,347
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,167
−HK$832/mo
Today · 4.125%
HK$27,999
baseline
▲ 0.50% · 4.625%
HK$29,703
+HK$1,704/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$55,998/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,311
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,097
−HK$797/mo
Today · 4.125%
HK$30,894
baseline
▲ 0.50% · 4.625%
HK$32,523
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,788/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,875
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,928
−HK$1,071/mo
Today · 4.125%
HK$35,999
baseline
▲ 0.50% · 4.625%
HK$38,189
+HK$2,190/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$71,998/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,685
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,696
−HK$1,025/mo
Today · 4.125%
HK$39,721
baseline
▲ 0.50% · 4.625%
HK$41,815
+HK$2,094/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$79,442/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,595 · 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).