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$18,894
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,481
−HK$597/mo
Today · 4.125%
HK$20,078
baseline
▲ 0.50% · 4.625%
HK$21,300
+HK$1,222/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,156/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,019
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,583
−HK$571/mo
Today · 4.125%
HK$22,154
baseline
▲ 0.50% · 4.625%
HK$23,322
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,308/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,672
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,377
−HK$717/mo
Today · 4.125%
HK$24,094
baseline
▲ 0.50% · 4.625%
HK$25,560
+HK$1,466/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,188/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,223
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,899
−HK$686/mo
Today · 4.125%
HK$26,585
baseline
▲ 0.50% · 4.625%
HK$27,987
+HK$1,402/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,170/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,451
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,274
−HK$836/mo
Today · 4.125%
HK$28,110
baseline
▲ 0.50% · 4.625%
HK$29,820
+HK$1,710/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,220/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,426
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,216
−HK$800/mo
Today · 4.125%
HK$31,016
baseline
▲ 0.50% · 4.625%
HK$32,651
+HK$1,635/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,032/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,008
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,066
−HK$1,075/mo
Today · 4.125%
HK$36,141
baseline
▲ 0.50% · 4.625%
HK$38,340
+HK$2,199/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,282/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,834
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,849
−HK$1,029/mo
Today · 4.125%
HK$39,878
baseline
▲ 0.50% · 4.625%
HK$41,980
+HK$2,102/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,756/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,572 · 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).