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$18,868
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,455
−HK$596/mo
Today · 4.125%
HK$20,051
baseline
▲ 0.50% · 4.625%
HK$21,271
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,102/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,990
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,553
−HK$571/mo
Today · 4.125%
HK$22,124
baseline
▲ 0.50% · 4.625%
HK$23,290
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,248/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,641
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,345
−HK$716/mo
Today · 4.125%
HK$24,061
baseline
▲ 0.50% · 4.625%
HK$25,525
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,122/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,188
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,864
−HK$685/mo
Today · 4.125%
HK$26,549
baseline
▲ 0.50% · 4.625%
HK$27,948
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,098/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,415
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,236
−HK$835/mo
Today · 4.125%
HK$28,071
baseline
▲ 0.50% · 4.625%
HK$29,779
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,142/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,386
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,174
−HK$800/mo
Today · 4.125%
HK$30,974
baseline
▲ 0.50% · 4.625%
HK$32,606
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,948/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,962
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,018
−HK$1,073/mo
Today · 4.125%
HK$36,091
baseline
▲ 0.50% · 4.625%
HK$38,287
+HK$2,196/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$72,182/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,782
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,795
−HK$1,028/mo
Today · 4.125%
HK$39,823
baseline
▲ 0.50% · 4.625%
HK$41,922
+HK$2,099/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$79,646/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,231 · 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).