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$18,906
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,495
−HK$597/mo
Today · 4.125%
HK$20,092
baseline
▲ 0.50% · 4.625%
HK$21,315
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,184/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,033
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,597
−HK$573/mo
Today · 4.125%
HK$22,170
baseline
▲ 0.50% · 4.625%
HK$23,338
+HK$1,168/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,340/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,688
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,393
−HK$717/mo
Today · 4.125%
HK$24,110
baseline
▲ 0.50% · 4.625%
HK$25,578
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,220/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,240
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,917
−HK$687/mo
Today · 4.125%
HK$26,604
baseline
▲ 0.50% · 4.625%
HK$28,006
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,208/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,469
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,292
−HK$837/mo
Today · 4.125%
HK$28,129
baseline
▲ 0.50% · 4.625%
HK$29,840
+HK$1,711/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,258/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,447
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,236
−HK$801/mo
Today · 4.125%
HK$31,037
baseline
▲ 0.50% · 4.625%
HK$32,673
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,074/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,032
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,090
−HK$1,076/mo
Today · 4.125%
HK$36,166
baseline
▲ 0.50% · 4.625%
HK$38,366
+HK$2,200/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,332/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,860
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,875
−HK$1,030/mo
Today · 4.125%
HK$39,905
baseline
▲ 0.50% · 4.625%
HK$42,009
+HK$2,104/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,810/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,742 · 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).