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$18,844
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,430
−HK$596/mo
Today · 4.125%
HK$20,026
baseline
▲ 0.50% · 4.625%
HK$21,244
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,052/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,964
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,526
−HK$571/mo
Today · 4.125%
HK$22,097
baseline
▲ 0.50% · 4.625%
HK$23,261
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,194/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,613
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,317
−HK$714/mo
Today · 4.125%
HK$24,031
baseline
▲ 0.50% · 4.625%
HK$25,493
+HK$1,462/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,062/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,157
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,832
−HK$684/mo
Today · 4.125%
HK$26,516
baseline
▲ 0.50% · 4.625%
HK$27,914
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,032/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,382
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,203
−HK$833/mo
Today · 4.125%
HK$28,036
baseline
▲ 0.50% · 4.625%
HK$29,742
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,072/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,350
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,137
−HK$798/mo
Today · 4.125%
HK$30,935
baseline
▲ 0.50% · 4.625%
HK$32,566
+HK$1,631/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,870/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,920
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,975
−HK$1,072/mo
Today · 4.125%
HK$36,047
baseline
▲ 0.50% · 4.625%
HK$38,240
+HK$2,193/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$72,094/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,735
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,747
−HK$1,027/mo
Today · 4.125%
HK$39,774
baseline
▲ 0.50% · 4.625%
HK$41,871
+HK$2,097/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$79,548/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,923 · 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).