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$18,835
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,421
−HK$595/mo
Today · 4.125%
HK$20,016
baseline
▲ 0.50% · 4.625%
HK$21,234
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,032/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,953
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,515
−HK$570/mo
Today · 4.125%
HK$22,085
baseline
▲ 0.50% · 4.625%
HK$23,250
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,170/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,602
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,305
−HK$714/mo
Today · 4.125%
HK$24,019
baseline
▲ 0.50% · 4.625%
HK$25,480
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,038/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,144
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,818
−HK$684/mo
Today · 4.125%
HK$26,502
baseline
▲ 0.50% · 4.625%
HK$27,899
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$53,004/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,369
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,189
−HK$833/mo
Today · 4.125%
HK$28,022
baseline
▲ 0.50% · 4.625%
HK$29,727
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,044/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,335
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,121
−HK$799/mo
Today · 4.125%
HK$30,920
baseline
▲ 0.50% · 4.625%
HK$32,549
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,840/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,902
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,957
−HK$1,071/mo
Today · 4.125%
HK$36,028
baseline
▲ 0.50% · 4.625%
HK$38,221
+HK$2,193/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,056/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,716
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,728
−HK$1,026/mo
Today · 4.125%
HK$39,754
baseline
▲ 0.50% · 4.625%
HK$41,849
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,508/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,797 · 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).