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$18,877
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,464
−HK$597/mo
Today · 4.125%
HK$20,061
baseline
▲ 0.50% · 4.625%
HK$21,281
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,122/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,000
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,563
−HK$572/mo
Today · 4.125%
HK$22,135
baseline
▲ 0.50% · 4.625%
HK$23,302
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,270/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,652
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,357
−HK$716/mo
Today · 4.125%
HK$24,073
baseline
▲ 0.50% · 4.625%
HK$25,537
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,146/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,200
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,876
−HK$686/mo
Today · 4.125%
HK$26,562
baseline
▲ 0.50% · 4.625%
HK$27,962
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,124/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,427
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,250
−HK$835/mo
Today · 4.125%
HK$28,085
baseline
▲ 0.50% · 4.625%
HK$29,794
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,170/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,400
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,189
−HK$800/mo
Today · 4.125%
HK$30,989
baseline
▲ 0.50% · 4.625%
HK$32,622
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,978/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,978
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,035
−HK$1,074/mo
Today · 4.125%
HK$36,109
baseline
▲ 0.50% · 4.625%
HK$38,306
+HK$2,197/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,218/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,800
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,814
−HK$1,029/mo
Today · 4.125%
HK$39,843
baseline
▲ 0.50% · 4.625%
HK$41,943
+HK$2,100/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,686/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,351 · 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).