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$18,857
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,444
−HK$596/mo
Today · 4.125%
HK$20,040
baseline
▲ 0.50% · 4.625%
HK$21,259
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,080/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,978
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,541
−HK$571/mo
Today · 4.125%
HK$22,112
baseline
▲ 0.50% · 4.625%
HK$23,277
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,224/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,628
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,332
−HK$715/mo
Today · 4.125%
HK$24,047
baseline
▲ 0.50% · 4.625%
HK$25,511
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,094/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,174
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,849
−HK$685/mo
Today · 4.125%
HK$26,534
baseline
▲ 0.50% · 4.625%
HK$27,933
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,068/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,400
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,221
−HK$834/mo
Today · 4.125%
HK$28,055
baseline
▲ 0.50% · 4.625%
HK$29,763
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,110/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,370
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,157
−HK$799/mo
Today · 4.125%
HK$30,956
baseline
▲ 0.50% · 4.625%
HK$32,588
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,912/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,943
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,999
−HK$1,072/mo
Today · 4.125%
HK$36,071
baseline
▲ 0.50% · 4.625%
HK$38,266
+HK$2,195/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,142/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,761
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,774
−HK$1,027/mo
Today · 4.125%
HK$39,801
baseline
▲ 0.50% · 4.625%
HK$41,899
+HK$2,098/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,602/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,092 · 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).