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$18,887
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,474
−HK$597/mo
Today · 4.125%
HK$20,071
baseline
▲ 0.50% · 4.625%
HK$21,292
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,142/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,011
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,575
−HK$571/mo
Today · 4.125%
HK$22,146
baseline
▲ 0.50% · 4.625%
HK$23,314
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,292/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,664
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,369
−HK$716/mo
Today · 4.125%
HK$24,085
baseline
▲ 0.50% · 4.625%
HK$25,551
+HK$1,466/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,170/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,214
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,890
−HK$686/mo
Today · 4.125%
HK$26,576
baseline
▲ 0.50% · 4.625%
HK$27,977
+HK$1,401/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,152/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,441
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,264
−HK$836/mo
Today · 4.125%
HK$28,100
baseline
▲ 0.50% · 4.625%
HK$29,809
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$56,200/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,416
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,205
−HK$800/mo
Today · 4.125%
HK$31,005
baseline
▲ 0.50% · 4.625%
HK$32,639
+HK$1,634/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$62,010/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,996
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,054
−HK$1,074/mo
Today · 4.125%
HK$36,128
baseline
▲ 0.50% · 4.625%
HK$38,326
+HK$2,198/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,256/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,820
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,835
−HK$1,029/mo
Today · 4.125%
HK$39,864
baseline
▲ 0.50% · 4.625%
HK$41,965
+HK$2,101/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,728/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,482 · 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).