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$19,452
−HK$596/mo
Today · 4.125%
HK$20,048
baseline
▲ 0.50% · 4.625%
HK$21,268
+HK$1,220/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$248,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,988
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,550
−HK$571/mo
Today · 4.125%
HK$22,121
baseline
▲ 0.50% · 4.625%
HK$23,287
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,242/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,638
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,343
−HK$715/mo
Today · 4.125%
HK$24,058
baseline
▲ 0.50% · 4.625%
HK$25,522
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,116/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,185
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,860
−HK$686/mo
Today · 4.125%
HK$26,546
baseline
▲ 0.50% · 4.625%
HK$27,945
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,092/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,412
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,233
−HK$835/mo
Today · 4.125%
HK$28,068
baseline
▲ 0.50% · 4.625%
HK$29,776
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,136/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,383
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,171
−HK$799/mo
Today · 4.125%
HK$30,970
baseline
▲ 0.50% · 4.625%
HK$32,602
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,940/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,958
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,014
−HK$1,073/mo
Today · 4.125%
HK$36,087
baseline
▲ 0.50% · 4.625%
HK$38,283
+HK$2,196/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$72,174/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,778
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,791
−HK$1,028/mo
Today · 4.125%
HK$39,819
baseline
▲ 0.50% · 4.625%
HK$41,917
+HK$2,098/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$79,638/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,201 · 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).