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$18,836
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,422
−HK$595/mo
Today · 4.125%
HK$20,017
baseline
▲ 0.50% · 4.625%
HK$21,235
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,034/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,955
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,517
−HK$570/mo
Today · 4.125%
HK$22,087
baseline
▲ 0.50% · 4.625%
HK$23,251
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,174/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,603
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,306
−HK$715/mo
Today · 4.125%
HK$24,021
baseline
▲ 0.50% · 4.625%
HK$25,482
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,042/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,146
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,820
−HK$684/mo
Today · 4.125%
HK$26,504
baseline
▲ 0.50% · 4.625%
HK$27,901
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$53,008/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,370
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,191
−HK$833/mo
Today · 4.125%
HK$28,024
baseline
▲ 0.50% · 4.625%
HK$29,729
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,048/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,337
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,123
−HK$799/mo
Today · 4.125%
HK$30,922
baseline
▲ 0.50% · 4.625%
HK$32,552
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,844/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,905
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,959
−HK$1,072/mo
Today · 4.125%
HK$36,031
baseline
▲ 0.50% · 4.625%
HK$38,223
+HK$2,192/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,062/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,719
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,730
−HK$1,026/mo
Today · 4.125%
HK$39,756
baseline
▲ 0.50% · 4.625%
HK$41,852
+HK$2,096/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,512/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,814 · 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).