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$18,852
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,438
−HK$596/mo
Today · 4.125%
HK$20,034
baseline
▲ 0.50% · 4.625%
HK$21,253
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,068/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,972
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,535
−HK$570/mo
Today · 4.125%
HK$22,105
baseline
▲ 0.50% · 4.625%
HK$23,271
+HK$1,166/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,210/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,622
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,326
−HK$715/mo
Today · 4.125%
HK$24,041
baseline
▲ 0.50% · 4.625%
HK$25,503
+HK$1,462/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,082/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$248,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,167
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,842
−HK$684/mo
Today · 4.125%
HK$26,526
baseline
▲ 0.50% · 4.625%
HK$27,925
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,052/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$248,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,392
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,213
−HK$834/mo
Today · 4.125%
HK$28,047
baseline
▲ 0.50% · 4.625%
HK$29,754
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,094/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,361
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,149
−HK$798/mo
Today · 4.125%
HK$30,947
baseline
▲ 0.50% · 4.625%
HK$32,579
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,894/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,933
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,988
−HK$1,073/mo
Today · 4.125%
HK$36,061
baseline
▲ 0.50% · 4.625%
HK$38,255
+HK$2,194/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,122/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,750
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,763
−HK$1,027/mo
Today · 4.125%
HK$39,790
baseline
▲ 0.50% · 4.625%
HK$41,887
+HK$2,097/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,580/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,021 · 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).