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$18,871
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,458
−HK$596/mo
Today · 4.125%
HK$20,054
baseline
▲ 0.50% · 4.625%
HK$21,274
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,108/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,993
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,556
−HK$572/mo
Today · 4.125%
HK$22,128
baseline
▲ 0.50% · 4.625%
HK$23,294
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,256/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,645
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,349
−HK$716/mo
Today · 4.125%
HK$24,065
baseline
▲ 0.50% · 4.625%
HK$25,529
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,130/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,192
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,868
−HK$685/mo
Today · 4.125%
HK$26,553
baseline
▲ 0.50% · 4.625%
HK$27,953
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,106/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,419
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,241
−HK$835/mo
Today · 4.125%
HK$28,076
baseline
▲ 0.50% · 4.625%
HK$29,784
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,152/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,391
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,179
−HK$800/mo
Today · 4.125%
HK$30,979
baseline
▲ 0.50% · 4.625%
HK$32,612
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,958/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,967
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,024
−HK$1,073/mo
Today · 4.125%
HK$36,097
baseline
▲ 0.50% · 4.625%
HK$38,294
+HK$2,197/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,194/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,788
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,802
−HK$1,028/mo
Today · 4.125%
HK$39,830
baseline
▲ 0.50% · 4.625%
HK$41,929
+HK$2,099/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,660/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,270 · 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).