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$18,854
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,440
−HK$596/mo
Today · 4.125%
HK$20,036
baseline
▲ 0.50% · 4.625%
HK$21,255
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,072/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,975
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,537
−HK$571/mo
Today · 4.125%
HK$22,108
baseline
▲ 0.50% · 4.625%
HK$23,273
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,216/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,625
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,329
−HK$715/mo
Today · 4.125%
HK$24,044
baseline
▲ 0.50% · 4.625%
HK$25,507
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,088/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,170
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,845
−HK$685/mo
Today · 4.125%
HK$26,530
baseline
▲ 0.50% · 4.625%
HK$27,928
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,060/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,396
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,217
−HK$834/mo
Today · 4.125%
HK$28,051
baseline
▲ 0.50% · 4.625%
HK$29,758
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,102/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,365
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,152
−HK$799/mo
Today · 4.125%
HK$30,951
baseline
▲ 0.50% · 4.625%
HK$32,583
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,902/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,937
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,993
−HK$1,072/mo
Today · 4.125%
HK$36,065
baseline
▲ 0.50% · 4.625%
HK$38,260
+HK$2,195/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,130/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,755
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,767
−HK$1,028/mo
Today · 4.125%
HK$39,795
baseline
▲ 0.50% · 4.625%
HK$41,892
+HK$2,097/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,590/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,052 · 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).