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$18,862
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,449
−HK$596/mo
Today · 4.125%
HK$20,045
baseline
▲ 0.50% · 4.625%
HK$21,265
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,090/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,984
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,547
−HK$571/mo
Today · 4.125%
HK$22,118
baseline
▲ 0.50% · 4.625%
HK$23,284
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,236/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,635
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,339
−HK$715/mo
Today · 4.125%
HK$24,054
baseline
▲ 0.50% · 4.625%
HK$25,518
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,108/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,181
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,857
−HK$685/mo
Today · 4.125%
HK$26,542
baseline
▲ 0.50% · 4.625%
HK$27,941
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,084/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,407
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,229
−HK$834/mo
Today · 4.125%
HK$28,063
baseline
▲ 0.50% · 4.625%
HK$29,771
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,126/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,378
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,166
−HK$799/mo
Today · 4.125%
HK$30,965
baseline
▲ 0.50% · 4.625%
HK$32,598
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,930/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,952
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,009
−HK$1,073/mo
Today · 4.125%
HK$36,082
baseline
▲ 0.50% · 4.625%
HK$38,277
+HK$2,195/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,164/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,772
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,785
−HK$1,028/mo
Today · 4.125%
HK$39,813
baseline
▲ 0.50% · 4.625%
HK$41,911
+HK$2,098/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,626/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,163 · 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).