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$18,843
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,429
−HK$595/mo
Today · 4.125%
HK$20,024
baseline
▲ 0.50% · 4.625%
HK$21,243
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,048/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,962
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,525
−HK$570/mo
Today · 4.125%
HK$22,095
baseline
▲ 0.50% · 4.625%
HK$23,260
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,190/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,611
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,315
−HK$714/mo
Today · 4.125%
HK$24,029
baseline
▲ 0.50% · 4.625%
HK$25,491
+HK$1,462/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,058/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,155
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,830
−HK$684/mo
Today · 4.125%
HK$26,514
baseline
▲ 0.50% · 4.625%
HK$27,912
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,028/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,380
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,200
−HK$834/mo
Today · 4.125%
HK$28,034
baseline
▲ 0.50% · 4.625%
HK$29,740
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,068/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,347
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,134
−HK$799/mo
Today · 4.125%
HK$30,933
baseline
▲ 0.50% · 4.625%
HK$32,563
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,866/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,917
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,972
−HK$1,072/mo
Today · 4.125%
HK$36,044
baseline
▲ 0.50% · 4.625%
HK$38,237
+HK$2,193/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$72,088/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,732
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,744
−HK$1,027/mo
Today · 4.125%
HK$39,771
baseline
▲ 0.50% · 4.625%
HK$41,867
+HK$2,096/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$79,542/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,904 · 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).