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$18,899
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,487
−HK$597/mo
Today · 4.125%
HK$20,084
baseline
▲ 0.50% · 4.625%
HK$21,307
+HK$1,223/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,168/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,025
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,589
−HK$572/mo
Today · 4.125%
HK$22,161
baseline
▲ 0.50% · 4.625%
HK$23,329
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,322/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,679
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,385
−HK$716/mo
Today · 4.125%
HK$24,101
baseline
▲ 0.50% · 4.625%
HK$25,568
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,202/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,230
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,907
−HK$687/mo
Today · 4.125%
HK$26,594
baseline
▲ 0.50% · 4.625%
HK$27,995
+HK$1,401/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,188/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,459
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,282
−HK$836/mo
Today · 4.125%
HK$28,118
baseline
▲ 0.50% · 4.625%
HK$29,829
+HK$1,711/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,236/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,435
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,225
−HK$801/mo
Today · 4.125%
HK$31,026
baseline
▲ 0.50% · 4.625%
HK$32,661
+HK$1,635/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,052/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,019
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,077
−HK$1,075/mo
Today · 4.125%
HK$36,152
baseline
▲ 0.50% · 4.625%
HK$38,352
+HK$2,200/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,304/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,846
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,861
−HK$1,029/mo
Today · 4.125%
HK$39,890
baseline
▲ 0.50% · 4.625%
HK$41,993
+HK$2,103/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,780/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,648 · 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).