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$18,889
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,477
−HK$597/mo
Today · 4.125%
HK$20,074
baseline
▲ 0.50% · 4.625%
HK$21,295
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,148/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,014
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,578
−HK$572/mo
Today · 4.125%
HK$22,150
baseline
▲ 0.50% · 4.625%
HK$23,317
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,300/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,667
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,372
−HK$717/mo
Today · 4.125%
HK$24,089
baseline
▲ 0.50% · 4.625%
HK$25,555
+HK$1,466/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,178/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,217
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,894
−HK$686/mo
Today · 4.125%
HK$26,580
baseline
▲ 0.50% · 4.625%
HK$27,981
+HK$1,401/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,160/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,445
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,268
−HK$836/mo
Today · 4.125%
HK$28,104
baseline
▲ 0.50% · 4.625%
HK$29,814
+HK$1,710/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,208/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,420
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,209
−HK$801/mo
Today · 4.125%
HK$31,010
baseline
▲ 0.50% · 4.625%
HK$32,644
+HK$1,634/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,020/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,001
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,059
−HK$1,074/mo
Today · 4.125%
HK$36,133
baseline
▲ 0.50% · 4.625%
HK$38,332
+HK$2,199/mo
Deposit HK$828K · loan HK$7.46M · min. income ≈ HK$72,266/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,826
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,840
−HK$1,029/mo
Today · 4.125%
HK$39,869
baseline
▲ 0.50% · 4.625%
HK$41,971
+HK$2,102/mo
Deposit HK$828K · loan HK$7.46M · min. income ≈ HK$79,738/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,518 · 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).