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$18,864
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,451
−HK$596/mo
Today · 4.125%
HK$20,047
baseline
▲ 0.50% · 4.625%
HK$21,267
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,094/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,986
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,549
−HK$571/mo
Today · 4.125%
HK$22,120
baseline
▲ 0.50% · 4.625%
HK$23,286
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,240/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,637
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,341
−HK$716/mo
Today · 4.125%
HK$24,057
baseline
▲ 0.50% · 4.625%
HK$25,520
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,114/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,184
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,859
−HK$685/mo
Today · 4.125%
HK$26,544
baseline
▲ 0.50% · 4.625%
HK$27,943
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,088/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,410
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,231
−HK$835/mo
Today · 4.125%
HK$28,066
baseline
▲ 0.50% · 4.625%
HK$29,774
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,132/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,381
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,169
−HK$799/mo
Today · 4.125%
HK$30,968
baseline
▲ 0.50% · 4.625%
HK$32,600
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,936/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,956
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,012
−HK$1,073/mo
Today · 4.125%
HK$36,085
baseline
▲ 0.50% · 4.625%
HK$38,281
+HK$2,196/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$72,170/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,775
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,788
−HK$1,028/mo
Today · 4.125%
HK$39,816
baseline
▲ 0.50% · 4.625%
HK$41,915
+HK$2,099/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$79,632/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,186 · 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).