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$18,831
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,416
−HK$596/mo
Today · 4.125%
HK$20,012
baseline
▲ 0.50% · 4.625%
HK$21,229
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,024/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,949
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,511
−HK$570/mo
Today · 4.125%
HK$22,081
baseline
▲ 0.50% · 4.625%
HK$23,245
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,162/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,597
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,300
−HK$714/mo
Today · 4.125%
HK$24,014
baseline
▲ 0.50% · 4.625%
HK$25,475
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,028/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,139
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,813
−HK$684/mo
Today · 4.125%
HK$26,497
baseline
▲ 0.50% · 4.625%
HK$27,894
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,994/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,363
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,183
−HK$833/mo
Today · 4.125%
HK$28,016
baseline
▲ 0.50% · 4.625%
HK$29,721
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,032/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,329
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,115
−HK$798/mo
Today · 4.125%
HK$30,913
baseline
▲ 0.50% · 4.625%
HK$32,543
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,826/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,895
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,950
−HK$1,071/mo
Today · 4.125%
HK$36,021
baseline
▲ 0.50% · 4.625%
HK$38,213
+HK$2,192/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,042/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,708
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,720
−HK$1,026/mo
Today · 4.125%
HK$39,746
baseline
▲ 0.50% · 4.625%
HK$41,841
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,492/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,746 · 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).