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$18,900
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,488
−HK$597/mo
Today · 4.125%
HK$20,085
baseline
▲ 0.50% · 4.625%
HK$21,307
+HK$1,222/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,170/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,026
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,590
−HK$572/mo
Today · 4.125%
HK$22,162
baseline
▲ 0.50% · 4.625%
HK$23,330
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,324/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,680
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,385
−HK$717/mo
Today · 4.125%
HK$24,102
baseline
▲ 0.50% · 4.625%
HK$25,569
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,204/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,231
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,908
−HK$686/mo
Today · 4.125%
HK$26,594
baseline
▲ 0.50% · 4.625%
HK$27,996
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,188/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,460
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,283
−HK$836/mo
Today · 4.125%
HK$28,119
baseline
▲ 0.50% · 4.625%
HK$29,830
+HK$1,711/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,238/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,436
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,226
−HK$801/mo
Today · 4.125%
HK$31,027
baseline
▲ 0.50% · 4.625%
HK$32,662
+HK$1,635/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,054/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,020
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,078
−HK$1,075/mo
Today · 4.125%
HK$36,153
baseline
▲ 0.50% · 4.625%
HK$38,353
+HK$2,200/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,306/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,847
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,862
−HK$1,030/mo
Today · 4.125%
HK$39,892
baseline
▲ 0.50% · 4.625%
HK$41,994
+HK$2,102/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,784/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,657 · 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).