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$18,880
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,467
−HK$597/mo
Today · 4.125%
HK$20,064
baseline
▲ 0.50% · 4.625%
HK$21,284
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,128/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,003
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,567
−HK$571/mo
Today · 4.125%
HK$22,138
baseline
▲ 0.50% · 4.625%
HK$23,305
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,276/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,656
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,360
−HK$716/mo
Today · 4.125%
HK$24,076
baseline
▲ 0.50% · 4.625%
HK$25,541
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,152/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,204
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,880
−HK$686/mo
Today · 4.125%
HK$26,566
baseline
▲ 0.50% · 4.625%
HK$27,966
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,132/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,431
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,254
−HK$835/mo
Today · 4.125%
HK$28,089
baseline
▲ 0.50% · 4.625%
HK$29,798
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$56,178/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,405
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,193
−HK$800/mo
Today · 4.125%
HK$30,993
baseline
▲ 0.50% · 4.625%
HK$32,627
+HK$1,634/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$61,986/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,983
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,040
−HK$1,074/mo
Today · 4.125%
HK$36,114
baseline
▲ 0.50% · 4.625%
HK$38,312
+HK$2,198/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,228/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,806
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,820
−HK$1,029/mo
Today · 4.125%
HK$39,849
baseline
▲ 0.50% · 4.625%
HK$41,949
+HK$2,100/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,698/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,388 · 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).