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$18,832
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,418
−HK$595/mo
Today · 4.125%
HK$20,013
baseline
▲ 0.50% · 4.625%
HK$21,231
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,026/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,951
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,513
−HK$570/mo
Today · 4.125%
HK$22,083
baseline
▲ 0.50% · 4.625%
HK$23,247
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,166/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,599
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,302
−HK$714/mo
Today · 4.125%
HK$24,016
baseline
▲ 0.50% · 4.625%
HK$25,477
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,032/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,141
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,815
−HK$684/mo
Today · 4.125%
HK$26,499
baseline
▲ 0.50% · 4.625%
HK$27,896
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$52,998/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,365
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,186
−HK$833/mo
Today · 4.125%
HK$28,019
baseline
▲ 0.50% · 4.625%
HK$29,724
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,038/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,331
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,118
−HK$798/mo
Today · 4.125%
HK$30,916
baseline
▲ 0.50% · 4.625%
HK$32,546
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,832/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,898
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,953
−HK$1,071/mo
Today · 4.125%
HK$36,024
baseline
▲ 0.50% · 4.625%
HK$38,216
+HK$2,192/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,048/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,712
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,723
−HK$1,026/mo
Today · 4.125%
HK$39,749
baseline
▲ 0.50% · 4.625%
HK$41,844
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,498/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,768 · 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).