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$18,847
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,433
−HK$596/mo
Today · 4.125%
HK$20,029
baseline
▲ 0.50% · 4.625%
HK$21,247
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,058/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,967
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,529
−HK$571/mo
Today · 4.125%
HK$22,100
baseline
▲ 0.50% · 4.625%
HK$23,265
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,200/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,616
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,320
−HK$715/mo
Today · 4.125%
HK$24,035
baseline
▲ 0.50% · 4.625%
HK$25,497
+HK$1,462/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,070/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,160
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,835
−HK$685/mo
Today · 4.125%
HK$26,520
baseline
▲ 0.50% · 4.625%
HK$27,918
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,040/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,386
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,206
−HK$834/mo
Today · 4.125%
HK$28,040
baseline
▲ 0.50% · 4.625%
HK$29,746
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,080/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,354
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,141
−HK$799/mo
Today · 4.125%
HK$30,940
baseline
▲ 0.50% · 4.625%
HK$32,571
+HK$1,631/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,880/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,924
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,980
−HK$1,072/mo
Today · 4.125%
HK$36,052
baseline
▲ 0.50% · 4.625%
HK$38,245
+HK$2,193/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,104/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,741
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,753
−HK$1,027/mo
Today · 4.125%
HK$39,780
baseline
▲ 0.50% · 4.625%
HK$41,876
+HK$2,096/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,560/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,958 · 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).