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$18,870
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,457
−HK$597/mo
Today · 4.125%
HK$20,054
baseline
▲ 0.50% · 4.625%
HK$21,274
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,108/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,993
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,556
−HK$571/mo
Today · 4.125%
HK$22,127
baseline
▲ 0.50% · 4.625%
HK$23,294
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,254/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,645
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,349
−HK$716/mo
Today · 4.125%
HK$24,065
baseline
▲ 0.50% · 4.625%
HK$25,529
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,130/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,192
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,868
−HK$685/mo
Today · 4.125%
HK$26,553
baseline
▲ 0.50% · 4.625%
HK$27,953
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,106/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,419
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,240
−HK$835/mo
Today · 4.125%
HK$28,075
baseline
▲ 0.50% · 4.625%
HK$29,784
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,150/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,391
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,179
−HK$799/mo
Today · 4.125%
HK$30,978
baseline
▲ 0.50% · 4.625%
HK$32,611
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,956/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,967
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,023
−HK$1,074/mo
Today · 4.125%
HK$36,097
baseline
▲ 0.50% · 4.625%
HK$38,293
+HK$2,196/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,194/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,788
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,801
−HK$1,028/mo
Today · 4.125%
HK$39,829
baseline
▲ 0.50% · 4.625%
HK$41,929
+HK$2,100/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,658/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,268 · 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).