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$18,884
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,471
−HK$597/mo
Today · 4.125%
HK$20,068
baseline
▲ 0.50% · 4.625%
HK$21,289
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,136/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,008
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,572
−HK$571/mo
Today · 4.125%
HK$22,143
baseline
▲ 0.50% · 4.625%
HK$23,311
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,286/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,661
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,366
−HK$716/mo
Today · 4.125%
HK$24,082
baseline
▲ 0.50% · 4.625%
HK$25,547
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,164/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,210
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,886
−HK$686/mo
Today · 4.125%
HK$26,572
baseline
▲ 0.50% · 4.625%
HK$27,973
+HK$1,401/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,144/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,438
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,260
−HK$836/mo
Today · 4.125%
HK$28,096
baseline
▲ 0.50% · 4.625%
HK$29,805
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$56,192/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,412
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,201
−HK$800/mo
Today · 4.125%
HK$31,001
baseline
▲ 0.50% · 4.625%
HK$32,635
+HK$1,634/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$62,002/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,991
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,049
−HK$1,074/mo
Today · 4.125%
HK$36,123
baseline
▲ 0.50% · 4.625%
HK$38,321
+HK$2,198/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,246/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,815
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,829
−HK$1,029/mo
Today · 4.125%
HK$39,858
baseline
▲ 0.50% · 4.625%
HK$41,959
+HK$2,101/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,716/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,447 · 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).