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$18,890
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,478
−HK$597/mo
Today · 4.125%
HK$20,075
baseline
▲ 0.50% · 4.625%
HK$21,296
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,150/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,015
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,579
−HK$571/mo
Today · 4.125%
HK$22,150
baseline
▲ 0.50% · 4.625%
HK$23,318
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,300/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,668
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,373
−HK$717/mo
Today · 4.125%
HK$24,090
baseline
▲ 0.50% · 4.625%
HK$25,555
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,180/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,218
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,894
−HK$686/mo
Today · 4.125%
HK$26,580
baseline
▲ 0.50% · 4.625%
HK$27,982
+HK$1,402/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,160/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,446
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,269
−HK$836/mo
Today · 4.125%
HK$28,105
baseline
▲ 0.50% · 4.625%
HK$29,815
+HK$1,710/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,210/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,421
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,210
−HK$801/mo
Today · 4.125%
HK$31,011
baseline
▲ 0.50% · 4.625%
HK$32,645
+HK$1,634/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,022/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,002
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,060
−HK$1,074/mo
Today · 4.125%
HK$36,134
baseline
▲ 0.50% · 4.625%
HK$38,333
+HK$2,199/mo
Deposit HK$828K · loan HK$7.46M · min. income ≈ HK$72,268/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,827
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,842
−HK$1,029/mo
Today · 4.125%
HK$39,871
baseline
▲ 0.50% · 4.625%
HK$41,972
+HK$2,101/mo
Deposit HK$828K · loan HK$7.46M · min. income ≈ HK$79,742/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,526 · 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).