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$18,856
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,442
−HK$596/mo
Today · 4.125%
HK$20,038
baseline
▲ 0.50% · 4.625%
HK$21,258
+HK$1,220/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,076/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,977
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,540
−HK$570/mo
Today · 4.125%
HK$22,110
baseline
▲ 0.50% · 4.625%
HK$23,276
+HK$1,166/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,220/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,627
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,331
−HK$715/mo
Today · 4.125%
HK$24,046
baseline
▲ 0.50% · 4.625%
HK$25,509
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,092/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,172
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,847
−HK$685/mo
Today · 4.125%
HK$26,532
baseline
▲ 0.50% · 4.625%
HK$27,931
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,064/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,398
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,219
−HK$835/mo
Today · 4.125%
HK$28,054
baseline
▲ 0.50% · 4.625%
HK$29,761
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,108/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,368
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,155
−HK$799/mo
Today · 4.125%
HK$30,954
baseline
▲ 0.50% · 4.625%
HK$32,586
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,908/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,941
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,996
−HK$1,073/mo
Today · 4.125%
HK$36,069
baseline
▲ 0.50% · 4.625%
HK$38,264
+HK$2,195/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,138/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,759
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,771
−HK$1,028/mo
Today · 4.125%
HK$39,799
baseline
▲ 0.50% · 4.625%
HK$41,896
+HK$2,097/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,598/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,076 · 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).