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$18,855
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,441
−HK$596/mo
Today · 4.125%
HK$20,037
baseline
▲ 0.50% · 4.625%
HK$21,257
+HK$1,220/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,074/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,976
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,539
−HK$570/mo
Today · 4.125%
HK$22,109
baseline
▲ 0.50% · 4.625%
HK$23,275
+HK$1,166/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,218/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,626
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,330
−HK$715/mo
Today · 4.125%
HK$24,045
baseline
▲ 0.50% · 4.625%
HK$25,508
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,090/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,171
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,846
−HK$685/mo
Today · 4.125%
HK$26,531
baseline
▲ 0.50% · 4.625%
HK$27,930
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,062/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,397
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,218
−HK$834/mo
Today · 4.125%
HK$28,052
baseline
▲ 0.50% · 4.625%
HK$29,759
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,104/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,366
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,154
−HK$799/mo
Today · 4.125%
HK$30,953
baseline
▲ 0.50% · 4.625%
HK$32,584
+HK$1,631/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,906/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,939
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,995
−HK$1,072/mo
Today · 4.125%
HK$36,067
baseline
▲ 0.50% · 4.625%
HK$38,262
+HK$2,195/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,134/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,757
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,769
−HK$1,028/mo
Today · 4.125%
HK$39,797
baseline
▲ 0.50% · 4.625%
HK$41,894
+HK$2,097/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,594/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,064 · 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).