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$18,865
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,451
−HK$597/mo
Today · 4.125%
HK$20,048
baseline
▲ 0.50% · 4.625%
HK$21,267
+HK$1,219/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,096/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,987
−HK$1,133/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$248,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,637
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,342
−HK$715/mo
Today · 4.125%
HK$24,057
baseline
▲ 0.50% · 4.625%
HK$25,521
+HK$1,464/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$248,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,184
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,859
−HK$686/mo
Today · 4.125%
HK$26,545
baseline
▲ 0.50% · 4.625%
HK$27,944
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,090/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,410
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,232
−HK$835/mo
Today · 4.125%
HK$28,067
baseline
▲ 0.50% · 4.625%
HK$29,774
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,134/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,381
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,169
−HK$800/mo
Today · 4.125%
HK$30,969
baseline
▲ 0.50% · 4.625%
HK$32,601
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,938/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,956
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,012
−HK$1,074/mo
Today · 4.125%
HK$36,086
baseline
▲ 0.50% · 4.625%
HK$38,281
+HK$2,195/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$72,172/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,776
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,789
−HK$1,028/mo
Today · 4.125%
HK$39,817
baseline
▲ 0.50% · 4.625%
HK$41,916
+HK$2,099/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$79,634/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,190 · 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).