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$18,827
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,413
−HK$595/mo
Today · 4.125%
HK$20,008
baseline
▲ 0.50% · 4.625%
HK$21,225
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,016/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,945
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,507
−HK$570/mo
Today · 4.125%
HK$22,077
baseline
▲ 0.50% · 4.625%
HK$23,240
+HK$1,163/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,154/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,593
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,295
−HK$714/mo
Today · 4.125%
HK$24,009
baseline
▲ 0.50% · 4.625%
HK$25,470
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,018/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,134
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,808
−HK$684/mo
Today · 4.125%
HK$26,492
baseline
▲ 0.50% · 4.625%
HK$27,888
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,984/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,358
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,178
−HK$833/mo
Today · 4.125%
HK$28,011
baseline
▲ 0.50% · 4.625%
HK$29,715
+HK$1,704/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,022/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,323
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,110
−HK$797/mo
Today · 4.125%
HK$30,907
baseline
▲ 0.50% · 4.625%
HK$32,536
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,814/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,889
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,943
−HK$1,071/mo
Today · 4.125%
HK$36,014
baseline
▲ 0.50% · 4.625%
HK$38,205
+HK$2,191/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,028/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,701
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,712
−HK$1,026/mo
Today · 4.125%
HK$39,738
baseline
▲ 0.50% · 4.625%
HK$41,833
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,476/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,699 · 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).