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$18,833
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,419
−HK$595/mo
Today · 4.125%
HK$20,014
baseline
▲ 0.50% · 4.625%
HK$21,232
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,028/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,952
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,514
−HK$570/mo
Today · 4.125%
HK$22,084
baseline
▲ 0.50% · 4.625%
HK$23,248
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,168/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,600
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,303
−HK$714/mo
Today · 4.125%
HK$24,017
baseline
▲ 0.50% · 4.625%
HK$25,478
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,034/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,142
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,816
−HK$684/mo
Today · 4.125%
HK$26,500
baseline
▲ 0.50% · 4.625%
HK$27,897
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$53,000/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,366
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,187
−HK$833/mo
Today · 4.125%
HK$28,020
baseline
▲ 0.50% · 4.625%
HK$29,725
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,040/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,332
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,119
−HK$798/mo
Today · 4.125%
HK$30,917
baseline
▲ 0.50% · 4.625%
HK$32,547
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,834/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,900
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,954
−HK$1,072/mo
Today · 4.125%
HK$36,026
baseline
▲ 0.50% · 4.625%
HK$38,218
+HK$2,192/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,052/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,713
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,725
−HK$1,026/mo
Today · 4.125%
HK$39,751
baseline
▲ 0.50% · 4.625%
HK$41,846
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,502/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,778 · 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).