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$18,828
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,414
−HK$595/mo
Today · 4.125%
HK$20,009
baseline
▲ 0.50% · 4.625%
HK$21,226
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,018/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,946
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,508
−HK$570/mo
Today · 4.125%
HK$22,078
baseline
▲ 0.50% · 4.625%
HK$23,241
+HK$1,163/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,156/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,594
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,296
−HK$714/mo
Today · 4.125%
HK$24,010
baseline
▲ 0.50% · 4.625%
HK$25,471
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,020/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,135
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,809
−HK$684/mo
Today · 4.125%
HK$26,493
baseline
▲ 0.50% · 4.625%
HK$27,890
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,986/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,359
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,179
−HK$833/mo
Today · 4.125%
HK$28,012
baseline
▲ 0.50% · 4.625%
HK$29,717
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,024/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,324
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,111
−HK$798/mo
Today · 4.125%
HK$30,909
baseline
▲ 0.50% · 4.625%
HK$32,538
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,818/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,890
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,945
−HK$1,071/mo
Today · 4.125%
HK$36,016
baseline
▲ 0.50% · 4.625%
HK$38,207
+HK$2,191/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,032/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,703
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,714
−HK$1,026/mo
Today · 4.125%
HK$39,740
baseline
▲ 0.50% · 4.625%
HK$41,835
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,480/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,710 · 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).