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$18,825
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,411
−HK$595/mo
Today · 4.125%
HK$20,006
baseline
▲ 0.50% · 4.625%
HK$21,223
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,012/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,943
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,505
−HK$570/mo
Today · 4.125%
HK$22,075
baseline
▲ 0.50% · 4.625%
HK$23,238
+HK$1,163/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,150/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,591
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,293
−HK$714/mo
Today · 4.125%
HK$24,007
baseline
▲ 0.50% · 4.625%
HK$25,468
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,014/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,132
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,806
−HK$684/mo
Today · 4.125%
HK$26,490
baseline
▲ 0.50% · 4.625%
HK$27,886
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,980/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,356
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,175
−HK$833/mo
Today · 4.125%
HK$28,008
baseline
▲ 0.50% · 4.625%
HK$29,713
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,016/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,320
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,107
−HK$798/mo
Today · 4.125%
HK$30,905
baseline
▲ 0.50% · 4.625%
HK$32,534
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,810/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,886
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,940
−HK$1,071/mo
Today · 4.125%
HK$36,011
baseline
▲ 0.50% · 4.625%
HK$38,202
+HK$2,191/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,022/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,698
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,709
−HK$1,025/mo
Today · 4.125%
HK$39,734
baseline
▲ 0.50% · 4.625%
HK$41,829
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,468/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,676 · 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).