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$18,850
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,437
−HK$595/mo
Today · 4.125%
HK$20,032
baseline
▲ 0.50% · 4.625%
HK$21,251
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,064/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,971
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,533
−HK$571/mo
Today · 4.125%
HK$22,104
baseline
▲ 0.50% · 4.625%
HK$23,269
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,208/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,620
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,324
−HK$715/mo
Today · 4.125%
HK$24,039
baseline
▲ 0.50% · 4.625%
HK$25,502
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,078/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$248,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,165
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,840
−HK$685/mo
Today · 4.125%
HK$26,525
baseline
▲ 0.50% · 4.625%
HK$27,923
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,050/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$248,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,391
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,211
−HK$834/mo
Today · 4.125%
HK$28,045
baseline
▲ 0.50% · 4.625%
HK$29,752
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,090/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,359
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,147
−HK$798/mo
Today · 4.125%
HK$30,945
baseline
▲ 0.50% · 4.625%
HK$32,577
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,890/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,931
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,986
−HK$1,072/mo
Today · 4.125%
HK$36,058
baseline
▲ 0.50% · 4.625%
HK$38,253
+HK$2,195/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,116/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,748
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,760
−HK$1,027/mo
Today · 4.125%
HK$39,787
baseline
▲ 0.50% · 4.625%
HK$41,884
+HK$2,097/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,574/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,004 · 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).