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$18,822
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,407
−HK$595/mo
Today · 4.125%
HK$20,002
baseline
▲ 0.50% · 4.625%
HK$21,219
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,004/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,939
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,500
−HK$570/mo
Today · 4.125%
HK$22,070
baseline
▲ 0.50% · 4.625%
HK$23,233
+HK$1,163/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,140/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,586
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,288
−HK$714/mo
Today · 4.125%
HK$24,002
baseline
▲ 0.50% · 4.625%
HK$25,463
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,004/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,127
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,801
−HK$683/mo
Today · 4.125%
HK$26,484
baseline
▲ 0.50% · 4.625%
HK$27,880
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,968/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,350
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,170
−HK$833/mo
Today · 4.125%
HK$28,003
baseline
▲ 0.50% · 4.625%
HK$29,707
+HK$1,704/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,006/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,314
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,101
−HK$797/mo
Today · 4.125%
HK$30,898
baseline
▲ 0.50% · 4.625%
HK$32,527
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,796/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,879
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,933
−HK$1,070/mo
Today · 4.125%
HK$36,003
baseline
▲ 0.50% · 4.625%
HK$38,194
+HK$2,191/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$72,006/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,690
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,701
−HK$1,025/mo
Today · 4.125%
HK$39,726
baseline
▲ 0.50% · 4.625%
HK$41,820
+HK$2,094/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$79,452/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,625 · 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).