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$18,838
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,424
−HK$596/mo
Today · 4.125%
HK$20,020
baseline
▲ 0.50% · 4.625%
HK$21,238
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,040/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,958
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,520
−HK$570/mo
Today · 4.125%
HK$22,090
baseline
▲ 0.50% · 4.625%
HK$23,254
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,180/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,606
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,309
−HK$715/mo
Today · 4.125%
HK$24,024
baseline
▲ 0.50% · 4.625%
HK$25,486
+HK$1,462/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,048/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,149
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,824
−HK$684/mo
Today · 4.125%
HK$26,508
baseline
▲ 0.50% · 4.625%
HK$27,905
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$53,016/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,374
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,194
−HK$834/mo
Today · 4.125%
HK$28,028
baseline
▲ 0.50% · 4.625%
HK$29,733
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,056/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,341
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,128
−HK$798/mo
Today · 4.125%
HK$30,926
baseline
▲ 0.50% · 4.625%
HK$32,556
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,852/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,909
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,964
−HK$1,072/mo
Today · 4.125%
HK$36,036
baseline
▲ 0.50% · 4.625%
HK$38,228
+HK$2,192/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$72,072/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,724
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,735
−HK$1,027/mo
Today · 4.125%
HK$39,762
baseline
▲ 0.50% · 4.625%
HK$41,858
+HK$2,096/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$79,524/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,847 · 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).