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$18,875
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,462
−HK$597/mo
Today · 4.125%
HK$20,059
baseline
▲ 0.50% · 4.625%
HK$21,279
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,118/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,998
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,562
−HK$571/mo
Today · 4.125%
HK$22,133
baseline
▲ 0.50% · 4.625%
HK$23,300
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,266/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,650
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,355
−HK$716/mo
Today · 4.125%
HK$24,071
baseline
▲ 0.50% · 4.625%
HK$25,535
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,142/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,198
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,874
−HK$685/mo
Today · 4.125%
HK$26,559
baseline
▲ 0.50% · 4.625%
HK$27,959
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,118/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,425
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,247
−HK$835/mo
Today · 4.125%
HK$28,082
baseline
▲ 0.50% · 4.625%
HK$29,791
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,164/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,398
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,186
−HK$800/mo
Today · 4.125%
HK$30,986
baseline
▲ 0.50% · 4.625%
HK$32,619
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,972/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,975
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,032
−HK$1,074/mo
Today · 4.125%
HK$36,106
baseline
▲ 0.50% · 4.625%
HK$38,303
+HK$2,197/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,212/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,797
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,811
−HK$1,028/mo
Today · 4.125%
HK$39,839
baseline
▲ 0.50% · 4.625%
HK$41,939
+HK$2,100/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,678/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,330 · 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).